The Adventures by Disney Vacation Protection Plan

The Adventures by Disney Vacation Protection Plan

Help protect your vacation like you would anything else—with a protection plan that lets you stop worrying and start planning for your amazing adventure. The Adventures by Disney Vacation Protection Plan takes the hassle and stress out of your vacation and lets you focus on what matters most—creating lasting memories with your family.

Coverage and Reimbursement

From cancelled flights to unforeseen circumstances to Mother Nature—while you may not be able to predict these vacation spoilers, you can plan for them and ensure that your vacation is covered from the moment you purchase your Adventures by Disney Vacation Protection Plan until you arrive home.

Please note: Worldwide Assistance – emergency travel assistance services are provided by CareFree Travel Assistance ™ .

©2020 Aon Affinity. All Rights Reserved.

To obtain your state-specific details of the terms, conditions and exclusions, visit the Adventures by Disney Vacation Protection page.

Add the Adventures by Disney Vacation Protection Plan to Your Reservation

It’s easy to include the Vacation Protection Plan in your vacation planning.

Just make a phone call to learn more and purchase.

• If you make a payment for your plan within 14 days of your initial booking deposit, the pre-existing condition exclusion will be waived.
• The plan may be added to your reservation up until your final payment has been made to Adventures by Disney.
• Coverage is in effect when your Adventures by Disney Vacation Protection Plan payment is made (in addition to any required trip deposits or payments due).
• This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip.
• You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.
• This insurance is not required in connection with the insured’s purchase of travel tickets.
• Plan may not be available in all jurisdictions.
• Payment for the Vacation Protection Plan must be made by the final payment due date.
• The coverage goes into effect on the day the final vacation payment is received by Adventures by Disney.

• Cancel Flex benefits do not apply for travel supplier failure to supply bargained-for services due to cessation of operations for any reason
• Must be purchased within 14 days of initial deposit
• Only available for new trips, no credits or vouchers
• 48 hour block out period
• Max trip costs $30,000

The Adventures by Disney Vacation Protection Plan is underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150) under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply. View disclosures

This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkeley Insurance Agency and in NY, AIS Affinity Insurance Agency.

† Guests under 18 years of age must have parent or guardian permission to call. …

Is Disney Travel Insurance Worth the Cost?

Disney’s insurance is good for covering theme park tickets, but you’re likely better off with a different policy.

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A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime.

For many, buying travel insurance should be just as essential as buying a churro as you cruise down Main Street. After all, we’re still in the midst of a pandemic. But that’s not the only reason you might cancel. Maybe you booked a vacation but later lost your job; you might want to delay until you regain a stable income stream. Maybe your kid breaks his leg and you want to rebook when it’s healed.

Trip insurance can be purchased from a dedicated travel insurance company , or you might already have it by holding certain credit cards. Otherwise, you might buy it directly from Disney, which offers insurance as an add-on for vacation packages at its U.S. theme parks.

Is Disney travel insurance worth it, or are there better deals out there?

What Disney travel insurance covers

If you’re heading to Walt Disney World in Florida or Disneyland in California and you’ve booked a vacation package (meaning a hotel and theme park tickets), you’re eligible to purchase Disney’s Travel Protection Plan. Underwritten by Arch Insurance Company, it’s available for purchase by U.S. residents and U.S. citizens living abroad who book through Disney’s website.

Exact coverage and benefit availability varies based on where you live, but it typically includes:

Trip cancellation or interruption: Reimburses prepaid travel up to your total trip cost for covered reasons including illness, injury, job loss or military service.

Trip delay: Reimburses eligible expenses of up to $200 per day ($600 per trip).

Baggage loss: Reimburses up to $2,000 for lost, stolen or damaged luggage.

Bag delay: Reimburses purchases of necessary items if your bags are delayed 12 or more hours.

Emergency medical expenses: Provides up to $25,000 of coverage if you get ill or injured while traveling.

Rental car damage: Reimburses repair costs up to $25,000 in the event of collision, theft, damage or vandalism.

How much is Disney travel insurance?

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $82.50 per adult and $6 per child.

Flat-rate travel insurance can be good for ultra-expensive trips, but a bad deal for budget trips.

Take a seven-night stay during the week of Christmas 2022 for a family of four (two adults and two children) at Disney’s opulent Grand Floridian Resort & Spa. Book it alongside six-day theme park tickets with all the add-ons — like water park admission — and you’d pay about $12,000. Adding on travel insurance would cost $177, which is 1.4% of your overall cost.

But say you instead planned a trip at the end of September when the kids are back at school. Two adults could stay at Disney’s All-Star Movies Resort with basic, two-day tickets for just $850. Adding Disney’s insurance would increase your package cost to over $1,000, which is an overall price increase of nearly 20%.

Travel insurance that nets out to just 1.4% of your overall trip cost is a deal, but 20% is far from it. After all, most travel insurance costs between 4% to 8% of the total trip, according to the U.S. Travel Insurance Association.

Reasons to get Disney travel insurance

Flat-rate travel insurance, as Disney offers, is pretty rare. Most policies are priced based on factors including the length of your trip, your destination and the age of the policyholder.

Here’s why it might make a good deal:

Flat-rate pricing is better for more expensive trips: If a costly trip is going to result in equally costly travel insurance, opting for flat-rate pricing is smart. And it’s not just a fancy hotel and Disney theme park tickets with all the add-ons like front-of-the–line passes. Factor in other nonrefundable trip elements, such as airfare and pre-paid rental cars. If you’re flying first class , or you’re hit with rising rental car prices , then flat-rate insurance is especially appealing.

You’re an older adult: Travel insurance costs are based on risk, and insurance is more expensive for older travelers, who are more likely to experience health problems, according to Allianz Travel Insurance.

Because Disney’s only age differentiator is child versus adult, its plan might be cheaper for older adults versus going with an independent insurer.

Many other policies won’t cover theme park tickets: Ever since the COVID-19 pandemic, Disney has required travelers to make advance reservations to enter its U.S. theme parks. The days of buying tickets first thing in the morning are gone. For popular days, you’ll often have to reserve your tickets months in advance. But while most policies cover cruises, airfare, lodging and tours, it’s tough to find policies that cover theme park tickets.

Because of the high cost of Disney tickets (and the fact that most Disney tickets are nontransferable and nonrefundable), you likely want to be covered for those too.

Reasons to skip Disney travel insurance

But most people would be better off skipping Disney insurance. Here are a few reasons why:

Maximum coverage is relatively low: Disney’s insurance will pay out a maximum of $25,000 in the event of accidental death and dismemberment, while it’s common to find coverage of up to $500,000 elsewhere.

Similarly, Disney’s policy covers up to $2,000 for lost baggage. That might be insufficient if you’ve packed a fancy camera. With other insurance policies, coverage of at least $3,000 is common.

And Disney’s rental car coverage only reimburses repair costs of up to $25,000. Especially given rising car prices , that might not be enough for serious accidents.

Coverage is limited: Actually getting reimbursed with your Disney travel insurance can be tricky. Covered events are restricted to narrow situations, including injury, a family member’s death or jury duty. Plus, you must provide proof, like a court order or death certificate. Disney’s insurance also won’t cover pre-existing conditions.

You don’t want to book a Disney hotel: Disney’s insurance is only available to travelers staying at one of Disney’s own (expensive) resorts. If you’re going to Disney World on the cheap , staying off-property is almost always cheaper. Don’t let eligibility to purchase Disney insurance persuade you to book a Disney resort that’s outside of your ideal budget.

Better alternatives to Disney travel insurance

Before your Disney trip, compare travel insurance quotes from multiple providers. And don’t overlook these other types of travel insurance:

Cancel For Any Reason coverage

Perhaps an uptick in COVID-19 cases has you considering travel. Or maybe an injury is preventing you from travel, but you don’t have a doctor’s note to prove it. Given the limited number of reasons that qualify for coverage, you might be better off with “ Cancel For Any Reason ” coverage, which covers you no matter why you cancel.

Look to your credit card

Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card. Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge.

Check with your bank to see what’s covered. For example, the insurance offered via many Chase credit cards explicitly won’t cover theme park tickets.

When is Disney travel insurance worth it?

Given the uncertainty of travel these days, even a quick weekend getaway should have some degree of insurance. But you might not need to pay for Disney’s travel insurance.

As long as you’re OK with your theme park tickets not being insured, the travel insurance offered through many credit cards is likely a better bet, and might not cost you anything once you hold the card. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.

Photo courtesy of Disneyland Resort.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

About the author: Sally French is a reporter for NerdWallet. Her work has been published in The Wall Street Journal, The New York Times and The Washington Post. Read more

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Travel Insurance for Your Disney Adventure

The Disney Parks are unique destinations that draw millions of people each year from around the world to experience “The Happiest Place on Earth.” In the United States, there is one Disney theme park located on each coast – Walt Disney World in Orlando, FL and Disneyland in Anaheim, CA. The Disney Cruise Line fleet includes five unique ships which offer both domestic and international cruises. With visitors traveling from all over the world, the investment in a Disney trip is often substantial and worth protecting from unexpected events.

With the uncertainty in travel due to the COVID-19 pandemic, concerned travelers are looking for coverage that offers maximum protection for their trip and flexibility for cancellations.

For many travelers, a comprehensive travel insurance policy may provide the best overall protection. However, like any travel insurance purchase, it depends on your unique travel details and which coverage options are important to you.

For travelers concerned with trip cancellation, Cancel for Any Reason is the coverage option available for new travel insurance policies to cover trip cancellation due to coronavirus fears. This time-sensitive benefit is optional on most plans and has other eligibility requirements, so not all travelers will qualify.

How Much is Travel Insurance for My Disney Vacation?

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. Common travel insurance factors include the number of travelers, age of the travelers, length of coverage, and type of coverage being purchased. We recommend answering a few questions about your trip as the best way to identify the options available to you and the associated cost.

What Does Travel Insurance Cover for My Trip to Disney?

Depending on the type of plan you purchase, coverage options will vary. Comprehensive travel insurance plans are popular for Disney trips, and while many may include specialty coverages that set them apart from the rest, all comprehensive plans have a core set of coverages. It’s these core aspects of the plans that protect travelers from their driveway, to their destination, and then back home. These common core coverages include medical coverage, emergency evacuation, baggage coverage, trip cancellation, and trip interruption coverage.

These core coverages in comprehensive plans are not the only coverages you should consider. The entire plan is important. Some comprehensive plans offer additional coverage, such as rental car damage or financial default. Many plans have optional benefits you can add-on for additional premium like Cancel for Any Reason or a pre-existing condition waiver – but these can be time-sensitive to the date of your first trip payment.

For those planning to take a Disney Cruise, cruise insurance is a specialized type of comprehensive plan specific to the unique multi-leg nature of traveling by cruise ship.

For travelers concerned specifically with trip cancellation, Cancel for Any Reason is the coverage option available for new travel insurance policies to cover trip cancellation due to coronavirus fears. This optional benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

Does Travel Insurance Cover Flights to Disney?

Comprehensive plans allow travelers to insure all of the prepaid, non-refundable portions of their entire trip, including their flight.

In the event of flight delays, comprehensive travel insurance plans often include a concierge service to help you arrange a hotel room for your family, so you aren’t using a jacket as a blanket in Terminal 5. Keep in mind that the travel delay coverage on your plan, unless otherwise stated, is per person. Any delay must exceed the time frame set by the plan to be covered. This time frame is often somewhere in the 3-12 hour range. Also, if you are delayed, remember to save all your receipts for food, lodging, and travel to and from the airport related to the delay. You won’t be reimbursed for an otherwise covered expense if you’re not able to show documentation.

While specific flight insurance plans are often available as an add-on when booking an airline ticket, this “light” coverage may leave you with some coverage gaps due to the relatively lower maximum value and narrower range of covered events.

Does Travel Insurance Cover Hurricanes in Disney?

It is no secret that hurricanes are common for the state of Florida, particularly during hurricane season, which runs from June 1 – November 30. The number one concern of summer travelers researching travel insurance is how their trip will be affected by hurricanes or other severe weather events.

For concerned travelers, it is important to know that purchasing your travel insurance plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm. If a hurricane or tropical storm that affects your trip is predicted before you purchase a plan, your coverage may be extremely limited.

Oftentimes Disney does allow travelers to cancel or change the date of your tickets or vacation package in the case of a hurricane affecting the park. That means that if you’re able to reschedule the trip or get a refund, you would not be reimbursed for those costs through comprehensive coverage. Only non-refundable costs are covered. However, your flight or other travel arrangements may not be refundable and would be covered under a comprehensive plan as long as you purchased your plan before the hurricane was a named storm.

Is Travel Insurance for My Disney Trip Refundable?

Travel insurance is non-refundable after the review period listed on the policy (usually 10-14 days from the purchase of the plan).

Does Travel Insurance Cover Disney Park Tickets?

If the theme park tickets are prepaid and non-refundable prior to departure, you can include the cost of the tickets with your trip cost that you are insuring.

In most cases, Disney Park tickets and packages are nontransferable and nonrefundable. However, while travelers cannot cancel or get a refund for a ticket or package, some cases allow the unexpired theme park tickets to be used for a future vacation. That means that if you’re able to reschedule the trip and transfer your tickets to a future date, you would not be reimbursed for those costs through comprehensive coverage.

When Can I Add Travel Insurance for My Disney Vacation?

Travelers must purchase their travel insurance before it is needed, but generally speaking, sooner is better. For the most coverage options, we recommend you start comparing travel insurance plans soon after making at least one payment towards your trip.

If you need coverage for a pre-existing medical condition or are interested in optional Cancel for Any Reason coverage, you should be aware that both of these have time-sensitive eligibility requirements tied to your initial trip payment (among other requirements). In other words, once you’ve paid for a part of the trip (whether it’s airfare, accommodations, or a down payment) you have a limited amount of time – typically between 10 to 30 days depending on the plan and provider – to buy a plan to access these benefits.

To identify the best travel insurance plan for your Disney trip, you will want to have a good grasp of your total expected trip cost. This will allow you to get the most accurate quote for the right travel insurance plan. However, you can purchase your policy as soon as you’ve made any non-refundable payment related to the trip and then add other costs on as you book them. It’s as easy as calling our Customer Care team and paying any difference in premium.

Does Disney Offer Travel Insurance?

The Disney Parks do offer a Travel Protection Plan through their booking website. However, to find the best and most robust insurance for your unique trip, it’s advisable to look at travel insurance reviews and then buy travel insurance for your trip from a third-party source. Often the types of travel insurance plans offered with vacation packages tend to be limited in their coverage and may not include the essential benefits you need for your individual comfort and safety. It is advisable to review the policy and coverages carefully, comparing the benefits to other recommended travel insurance plans. You can easily do this by answering a few questions about your trip in our quote generator, or calling our Customer Care team.

Does My Primary Health Insurance Cover Me in Florida or California?

Your out-of-network benefits may be very different when you’re traveling away from your home network.

Once you are clear on your health insurance coverage, you can determine how useful travel medical coverage as either a standalone plan or part of a comprehensive plan might be. With most comprehensive plans, you’ll need to place any medical claim with your health insurance first. Then you can file a claim with the travel insurance company for medical bills your health insurance company would not cover, up to the plan limit.

Travel medical coverage excludes coverage for any illness related to a pre-existing condition unless you purchase a plan with a pre-existing condition waiver. Each travel insurance company uses a particular time frame when considering pre-existing conditions, known as a look-back period, which is typically between 60 and 180 days before purchasing the plan. In the event of a claim, the insurance provider will review your medical records to determine whether the illness was due to a pre-existing condition.

We suggest calling your health insurance provider and asking how your health insurance benefits work when you are traveling out of your home network.

Disney Cruise Line

Traveling on one of the Disney Cruise Line ships is a unique experience, whether you are a seasoned cruiser, avid Disney fan, or traveler looking for a “magical” new experience. However, with these experiences come a number of specific considerations, particularly when it comes to insuring your cruise.

Do I Need Travel Insurance for My Disney Cruise?

Like many cruise lines returning to normal service, Disney Cruise Lines has outlined new requirements and recommendations for passengers. As of August 2021, unvaccinated guests 12 years of age and older who depart on a cruise out of Florida through the end of 2021 will have to show proof of travel insurance with at least $10,000 per person in medical expense coverage and $30,000 in coverage for emergency medical evacuation with no COVID-19 exclusions. Guests who do not show proof of vaccination will also be required to get a COVID-19 PCR test between 5 days and 24 hours of embarking on a ship, and undergo a rapid PCR test at the terminal.

When looking specifically at the requirements for Disney Cruise Lines, InsureMyTrip offers cruise travel insurance plans that meet and/or exceed such requirements.

Fully vaccinated passengers who volunteer their vaccination status will be exempt from all testing and travel insurance requirements.

However, no matter your vaccination status, cruise insurance is especially important for all travelers to consider because of the unique multi-leg nature of traveling by cruise ship.

Depending on the plan, cruise travel insurance may protect you from unexpected mishaps like if you miss a leg of your trip or need an emergency evacuation from the sea. When traveling abroad by ship, cruise trip insurance can cover you for unexpected medical issues.

However, it’s important to be cautious about where you get travel insurance for a cruise. Typically, to find the best and most robust cruise insurance it’s most advisable to look at cruise insurance reviews and then buy travel insurance for your cruise from a third-party source — not from the cruise line itself. These types of travel insurance plans tend to be limited in their coverage and may not include the essential benefits you need for your individual comfort and safety. They may be written in a way that is more likely to benefit the cruise line operator rather than the cruiser.

Dining on a Disney Cruise

The Disney dining experience is famous and most onboard experiences are included in the cost of your cruise. Passengers have the option of upgrading to specialty dining options which vary depending upon the ship and specific offerings of that cruise.

If you have been on cruises before you know that you may have to sit with other parties while dining. If you prefer to eat alone, Disney may be able to accommodate your request. While this is not guaranteed, it is advisable to contact Disney Cruise Line prior to your departure so they may note your reservation, and check with the main dining room again once onboard the ship. However, many passengers have found the shared dining space to be a rewarding and interesting experience that allows you to meet new people and enjoy the company of others.

What Is There to Do on a Disney Cruise?

Disney is perhaps even more famous for its entertainment options than its food, and the Disney Cruise Line absolutely delivers with its robust entertainment options. Each night, passengers receive a schedule for the following day’s activities. There are usually a few different activity lists – one list for families, one for adults, one for each of the kids’ clubs.

Some activities include the classic entertainment options of bingo, poolside games, mixology classes, how to make paper airplanes, Broadway shows, movies in the theater, and so many more. Just like the Disney parks, one of the highlights is the opportunity to meet and greet Disney characters. This is an exciting part of the day, especially for the children. Lines may form, they may be long, but the character interaction is often well worth the wait.

What Should I Bring on a Disney Cruise?

Family memories are often best captured by your handheld camera. You never know who you may bump into while walking around the ship. Along with the beautiful ships, the incredible scenery, there are some real characters walking around you may want to snap a quick photo with. Photopass services are often available during large meet and greet events, and the photos can be purchased during or after the cruise. For a fun interactive way to capture these photos, consider pacing a polaroid camera – you can quickly take a photo, print it, and have it autographed right on the spot.

For the young, and young-at-heart, who particularly enjoy character interactions, an autograph book with a pen is another recommended item. If you forget to pack one, they can usually be easily purchased on the ship.

Other items to consider include important travel documents, sunscreen, bug spray, aloe, dollar bills for the marketplaces in port and for help with your luggage at the airport, an empty carry-on for souvenirs, towel clips for your chair at the pool so your towel doesn’t fly away with the wind while at sea, formal wear if your cruise has a formal night, an underwater camera and of course a couple of bandanas for pirate night.

Should You Take a Disney Cruise?

The magic of Disney is legendary for families, couples, friends, and more.

Disney may be considered by some to be aimed at children, but Disney service also caters to adults. In fact, each Disney Cruise Line ship features an adults-only area and spa. For those adults traveling without children, this area may be especially enjoyable since families often account for the majority of the passengers. The adult-only areas are usually not crowded for this reason and can be an incredibly peaceful escape.

If you enjoy cruising with a little extra magic, this experience may be the vacation of a lifetime for all members of your party, regardless of age.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

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Ask an Expert

Question:

We are booked for a 4 day Disney land and then 3 day Disney cruise. Do We purchase separate policies or group them together?

Answer:

You only need to purchase one policy to cover you from the time you leave home until the time you return back to your home. You can insure all prepaid non-refundable travel arrangements paid for prior to departure, including the land portion and cruise portion of the trip, with one policy.

Question:

Answer:

If the theme park tickets are prepaid and non-refundable prior to departure, you can include the cost of the tickets with your Trip Cost that you are insuring.

Question:

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words “Trip Cancellation” when viewing a quote. This applies to all of our comprehensive plans.

Question:

Answer:

You would need a policy that offers the “Cancel for Work Reasons” benefit. Typically you have to have the time off already approved by your employer when buying the policy. Please select the cancel for work reason filter on the quote results page to view plans that offer this benefit.

Source https://www.adventuresbydisney.com/guest-trip-protection/

Source https://www.nerdwallet.com/article/travel/disney-travel-insurance-worth-cost

Source https://www.insuremytrip.com/insuring-your-trip/travel-insurance-for-your-disney-adventure/