Going to Disney: Should You Get Travel Insurance?

in Disneyland Resort, Travel, Walt Disney World

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Credit: Disney

If you want to book a Disney trip or you’re in the middle of planning one, you may be coming across extra costs that could add up as you book your vacation. One of these extra expenses when booking a trip is travel insurance.

Travel insurance often provides vacationers with the flexibility of cancelling a trip, assistance in any sort of emergency, and reimbursements for the cost of lost baggage, among other amenities. Disney provides the option of adding travel insurance to a vacation package, but there are other ways to purchase travel insurance, as well.

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Credit: Disney

So should you add travel insurance to your Disney vacation package? Let’s break down what’s included in the official Disney Travel Protection Plan, as well as what your other options are if you are deciding between adding Disney travel insurance, adding insurance from a third party, or opting out altogether.

Keep in mind that your decision to add travel insurance to your Disney vacation package may be dependent on the cancellation policy in effect. We recommend checking the travel information pages on the Disneyland and Disney World websites when booking in order to see what the cancellation policies are at the time. But as always, working with an Authorized Disney Vacation Planner is our #1 recommended way to ensure you get the best advice for your vacation, especially when it comes to add-on costs like travel insurance.

Official Disney Travel Insurance

Disney offers their own version of travel insurance. Whenever you are booking a Disneyland or Disney World vacation, you have the option of adding a Travel Protection Plan to your vacation package. This means that whenever you are booking a vacation on your own — or if you are booking through an Authorized Disney Vacation Planner who will be making all of the reservations for you — you can add travel insurance to your package for an extra fee.

Note that both of the Travel Protection Plans offered at Disney World and Disneyland are identical.

disneyland resort

Below is the information on the Travel Protection Plan as it is written on the Disneyland Resort official website:

Travel Protection Plan

To purchase a Travel Protection Plan for your Disneyland Resort vacation, please contact the Disney Reservation Center at (714) 520-5050. Guests planning a visit to Aulani, A Disney Resort & Spa, should call (866) 443-4763.

The Travel Protection Plan is designed for and is available to US residents. For your convenience, we offer travel protection which can be added to your trip anytime until final payment. Please view your state’s specific terms, conditions and exclusions at www.affinitytravelcert.com.

Travel insurance benefits are 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 brief overview of the coverages, subject to terms, conditions and exclusions. 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.

Walt Disney World
Credit: Disney

Below is the information on the Travel Protection Plan as it is written on the Walt Disney World Resort official website:

Travel Insurance

To purchase a Travel Protection Plan for your Walt Disney World Resort vacation, please contact the Disney Reservation Center at (407) 934-7639 or (407) W-DISNEY.

The Travel Protection Plan is designed for and is available to US residents. For your convenience, we offer travel protection which can be added to your trip anytime until final payment. Please view your state’s specific terms, conditions and exclusions at www.affinitytravelcert.com/docs/DSP01.

Travel insurance benefits are 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 brief overview of the coverages, subject to terms, conditions and exclusions. 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.

What’s Included in Disney’s Travel Protection Plan

A recent Forbes article provided a breakdown of everything that is included in the official Disney travel insurance.

Luggage delay. If your airline loses your luggage and it’s delayed by more than 12 hours, you can get reimbursed for the purchase of necessary personal items.

Baggage loss. You’ll get up to $2,000 for lost, stolen, or damaged bags or personal effects.

Emergency assistance. You’re eligible for 24/7 travel assistance, medical assistance and emergency services.

Emergency evacuation and repatriation. If you’re injured, the policy covers emergency medical transportation and other expenses.

Emergency medical protection. The policy provides up to $25,000 of coverage for an illness or injury sustained while traveling.

Trip cancellation and trip interruption. You’ll get reimbursed for up to the total of your prepaid travel arrangements if you’re injured or ill. It also covers nonmedical reasons like a job loss or (for service members) a change in military orders.

Travel accident. It provides up to $25,000 in the event of accidental death or dismemberment.

Trip delay. The policy reimburses you for expenses related to a delay, up to $600 (maximum of $200 per day).

Rental car damage. The policy will reimburse repair costs of up to $25,000 for collision, theft, damage or vandalism to rented vehicles.

Cars Land
Credit: Disney

Other Travel Insurance Options

When it comes to adding travel insurance, we recommend weighing your options.

According to Business Insider, here are the best travel insurance policies for 2020:

If you are a working professional planning a work-approved vacation, but you are worried you may have to cancel your trip due to work, then you can look into a travel insurance policy with “cancel for work” reasons included. Below is an explanation provided by Forbes:

If your job often has last-minute emergencies, you might be worried about having to cancel your Disney trip last-minute. Jonathan Breeze, CEO of the travel insurance site Aardy, notes that most Disney visitors are working age. “As such, they are taking a work-approved vacation,” he adds. “And while canceled vacations are rare, it does happen.”

He recommends looking at a policy with “cancel for work” reasons built in. That way, if an employer forces you to cancel your vacation last-minute, you’ll be covered.

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Credit: Disney

There is also the option of purchasing a more expensive travel insurance package that allows you to cancel for any reason. Typically, Disney’s cancellation policies are flexible in that they allow you to cancel your trip up to 30 days in advance of your arrival date for a full refund, and within 30 days of your arrival date for a refund minus the $200 deposit. However, during uncertain times, many travelers like to pay an extra amount in order to get a travel insurance policy that allows them to cancel their trip at any time.

How to Add Travel Insurance to Your Vacation Package

You can add travel insurance to your vacation package on your own by purchasing it through the Walt Disney Travel Company when booking a trip to Disneyland Resort, Walt Disney World Resort, Aulani, and more. You can also look into other travel insurance options on your own and do your own research to weigh your options.

But the easiest way to add travel insurance to your vacation package is by working with an Authorized Disney Vacation Planner. Academy Travel agents are experts in not only all things Disney, but above all, they know everything there is to know about traveling. If you are currently wanting to plan a trip but you want to make sure you add a travel protection plan (or you are unsure of whether it’s necessary), Academy Travel can help you navigate your options and provide you with excellent advice along the way. Click here to work with Academy Travel on your next Disney vacation, no matter where you want to go!

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Credit: Disney Parks

Have you ever purchased Disney’s Travel Protection Plan? Do you often utilize travel insurance when you travel? Share your advice and experiences in the comments!

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