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When planning a Disney vacation, one of the decisions you’ll need to make is whether or not to purchase travel insurance from Disney. Travel insurance is designed to protect you from financial loss due to unexpected events that could occur before or during your trip. But is Disney travel insurance worth it? Let’s take a closer look.
What Does Disney Travel Insurance Cover?
Disney’s travel insurance policy includes coverage for:
| Coverage | Amount Covered |
|---|---|
| Trip Cancellation/Interruption | Up to the total cost of the trip |
| Baggage Loss/Damage | Up to $3,000 |
| Baggage Delay | Up to $500 |
| Emergency Medical/Dental | Up to $10,000 |
| Medical Evacuation/Repatriation | Up to $100,000 |
| Travel Delay | Up to $500 per person |
Pros and Cons of Disney Travel Insurance
When considering whether to purchase Disney travel insurance, there are pros and cons to keep in mind.
Pros:
- Protection from financial loss due to trip cancellation or interruption
- Coverage for emergency medical expenses and medical evacuation
- Peace of mind knowing your trip is protected
Cons:
- Additional cost that may not be necessary if you already have travel insurance through another provider
- Some credit cards offer travel insurance as a benefit, so purchasing Disney travel insurance may be redundant
- You may not need all the coverage provided by Disney’s policy
Should You Purchase Disney Travel Insurance?
Ultimately, the decision to purchase Disney travel insurance is up to you. If the peace of mind and additional coverage is worth the cost, then it may be a good option. However, if you already have travel insurance through another provider or credit card benefit, it may not be necessary.
FAQs
Q: Can I cancel my Disney travel insurance policy if I change my mind?
A: Yes, you have 14 days from the date of purchase to cancel your Disney travel insurance policy and receive a full refund.
Q: Does Disney travel insurance cover pre-existing medical conditions?
A: No, Disney’s travel insurance policy does not cover pre-existing medical conditions.
Q: Can I purchase Disney travel insurance if I live outside the United States?
A: No, Disney’s travel insurance policy is only available to residents of the United States.