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Adding on travel insurance would cost $190, which is 1.6% of your overall cost. The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions.
What does cruise travel insurance cover typically?
You'll need to review the policy before the trip to decide if you need to purchase additional 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.
Do I need it if I have other travel protections?
If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip. Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises.
Disney Cruise Vacation Protection Plan
Disney Cruise Review: Mickey at Sea Gets an A+ - NerdWallet
Disney Cruise Review: Mickey at Sea Gets an A+.
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It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape. Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line. Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. These policies are available at a variety of price points to meet a traveler's budget.
For many, buying travel insurance should be just as essential as buying a churro as you cruise down Main Street. 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. Protecting travel costs can be a smart money move.
Is cruise travel insurance worth it?
When comparing policy options, you can balance price versus coverage options. If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy. Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. It can even help if you arrive on time, but your bags do not.
Is Travel Insurance Worth It in April 2024?
If you have a pre-existing condition, you'll want to purchase within 14 days of your first deposit, in order to meet an important condition for having pre-existing conditions covered. Another important factor to consider is COVID-19 protection, as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.
Reasons to get Disney travel insurance
There are exceptions, so definitely check your coverage, but as a general rule they do not. Keep in mind that with travel insurance you are not just purchasing additional health coverage. You are also purchasing insurance for travel delays, trip interruptions, lost baggage, flight problems, etc. Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card.
Insurance is important for so many reasons on a cruise. 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.
It’s not cheap, but it’s a whole lot less than buying insurance even two or three times a year. We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare. All trip insurance plans have a "Free Look" period that starts when the plan is purchased and lasts between 10 and 15 days (check your plan details). Allianz Global Assistance offers quite a bit more coverage for your Disney Cruise travel insurance than the DCL protection plan. There are other respected insurance options like Travel Guard, which has policies specifically geared toward cruise trips.
In other words, it’s not Mickey’s Travel Insurance LLC, it’s a plan Disney purchases through a separate insurance company. But, we will call it Disney’s insurance plan for clarification. It will often be more expensive to go through Disney, but not always. One great thing about Disney’s insurance plan is that it does not take age into account, so sometimes with older guests, it’s cheaper to buy it directly through Disney. Disney’s insurance plan, however, offers at least one other perk that may make it worth it to you which I discuss below. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.
Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage. If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. Do you have any pre-existing conditions? All of these things can affect the price of a policy that you purchase.
Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left. I even used my trip insurance one time to get reimbursed for having to spend the night in Seattle when weather prevented us from getting to Vancouver from Colorado for an Alaskan cruise. No snow, no storms, just a windy day! Just remember, a cruise isn’t like a normal vacation where you can just go a day late should travel delays or weather occur. If you miss the ship, you miss your vacation!
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