Disney World Castle Christmas 2016

Trip Cost: How to Properly Insure a Disney Vacation

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Planning a trip to Disney for the first time is stressful – I know from first-hand experience. Tons of questions are floating through my mind about whether or not we should stay on property, should we invest in the meal plan, and which flights will be the best for my youngest’s nap schedule? It’s overwhelming at times. When I think about the amount of money my family is going to invest in this first Disney trip in hopes that it’s not the last, I get a little queasy.

Because I work for InsureMyTrip, I always knew I would get travel insurance for a Disney trip – like every “big” trip my family takes these days. However, unlike other trips, I wasn’t positive on which expenses I could insure with a plan. I tallied up my family’s trip cost thinking, “Is this really my insurable trip cost?”

Most likely, the first time you tally your “total” trip cost for a trip to Disney, it won’t be the same amount you’ll be able to insure. When purchasing a travel insurance plan, you’ll only be able to cover pre-paid, non-refundable costs. When I was looking at my list of expenses for this Disney trip, even I didn’t know what I should include when quoting a travel insurance plan. So I did a little research.

After a quick call with Disney’s reservations representatives, I got a better understanding of what’s refundable and time frames of acceptable changes/cancellation. Here’s what I found out for travelers investing in a Disney Vacation Package:

  • You have up to 30 days prior to arrival at Disney to cancel your trip
  • If you make a modification to your trip (change hotel, change dates or meal plan) within 30 days of departure, you are subject to a $50 change fee.
  • If you cancel your trip within the 30-day window of departure, you are subject to a $200 penalty.
  • If you cancel on or after your day of arrival, you forfeit the full amount of your trip. 

What does this mean to a travel insurance professional? GET A TRAVEL INSURANCE PLAN! The cost of a trip to Disney is getting more and more expensive (seriously, they are increasing their ticket prices again in 2017). Why risk the possibility of losing the money you invested in your yearly family vacation?

This information also shed light on what may be considered “insurable” and what isn’t. Below I’ve outlined the travel expenses you’ll most likely have when booking a trip to Disney and how they fit into your “pre-paid, non-refundable” trip cost to mark when quoting a travel insurance plan.

Disney Package – Include total amount!

As noted above, there comes a point in time when you will no longer be able to get a refund for your Disney Vacation Package. Because of this, include the total amount when insuring your Disney vacation. It’s important to note, however, that if you do cancel within the windows that provide refunds with fees, your travel insurance reimbursement may only include the amount of the fee. You are not able to receive reimbursement for refundable costs. However, if your family comes into a situation the day of your arrival to Disney that prevents you from making the trip, or part of the trip, you’ll be glad you have insured the total cost of the Package.

Flight – Could be Included

I rarely add airline costs to my travel insurance plan, because I typically fly airlines that provide refunds and no cancellation fees. If you, however, are traveling on an airline with a non-refundable ticket or does include cancellation fees, you will want to add to your travel insurance plan. If you are unsure which type of ticket you purchased, call your airline or review your reservation.

Rental car – Could be Included

Much like various airlines, rental car companies have different policies for cancellation. If the car rental company you chose has a no-refund policy for pre-paid rentals or a cancellation fee associated, you’ll want to include this expense on your travel insurance plan. However, if you aren’t paying until you pick up the car or the rental is refundable with no cancellation fee, you shouldn’t add it to your plan.

Other Entertainment – Could be Included

Orlando is a fun place with so much more to offer than Disney World.  Likewise, Anaheim can offer a lot to a family vacation off of Disney grounds. If you are planning to attend any amusement parks, baseball games or shows on your vacation and these fees aren’t included in your Disney Vacation Package, you should double check whether you could receive a refund. If they are non-refundable and you have an invoice dated prior to your departure, you can add these costs to your total trip cost when buying a travel insurance plan.

What if you add to your trip costs after purchasing a plan?

Don’t worry!! You can increase your total trip cost after you purchase a plan. Sometimes it may increase the premium on the plan, but it can be handled expertly by one of our licensed travel insurance representatives! This is an added benefit of purchasing from InsureMyTrip! Just give us a call at 1-800-590-2650 and let us know you’d like to increase your trip cost. Just note, it could increase your premium.


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