Vacation Insurance


#1

Vacation Insurance…do you purchase this or not when booking your WDW vacation?


#2

For WDW vacations I never purchase the insurance. I feel that their cancellation policy is pretty good - unless you have to cancel the day b/f arrival. Also, it’s pretty easy just to rebook the trip. I worry more about the airfare.

For all other vacations (like when we go to an island) I absolutely get the travel insurance.


#3

I have never bought the trip insurance. My DH’s parents (travel agents, for an expert opinion) gave us a cruise vacation for our honeymoon and they bought the travel insurance with that trip because it was a cruise during hurricane season.

I get a little antsy thinking about it sometimes, I mean anything can happen, but I probably would never buy it unless we had children (what if they got the chicken pox?) or we had a sick family member who wasn’t doing very well, like an elderly grandparent.


#4

I suppose its different for us being International travellers but we always take out insurance that covers everything- however, as ssn points out, the Disney cancellation policy is more than fair.


#5

I always buy the travel insurance since the summer my DS broke his arm 4 weeks before a planned trip and was not allowed to fly. The insurance made life easier.

Check your credit card policies. My Discover Card gives me free travel insurance whenever I purchase airline tickets.


#6

If the company is “Travel Guard” I just want to say they are AWESOME! We only got travel insurance once and let me tell you, I was SOOO thankful we did!

It was our honeymoon in California ('03) & since I just got out of university, didn’t have a ‘real job’ yet, & we were moving out of state I temporarily didn’t have health insurance. I decided to get the travel insurance “just in case.”

WELL, I ended up getting a SEVERE case of strep throat, had to go to emergency care, get 2 different meds, & we missed a [non-refundable] night of our vacation. Travel Guard just had me fax all the receipts from our hotel fax & had they had the money deposited into our checking account within a few days!

Not only that but the LCD screen on my old Cannon camera got smashed in my luggage on the way home. I had to take it to a camera shop to confirm the damage & travel guard covered it. :smile:

I never got travel insurance again but for whatever reason I decided to get it on our honeymoon it TOTALLY paid off.

[Come to think of it I wish I would have had insurance last year when I left my Kodak camera in my pocket during RnRC and my LCD screen smashed again.]


#7

We buy the insurance… I have had lost luggage and it took 4 days to find, with the insurance, they will replace items even if they are later found.

If you brake your camera they will replace it or get it fixed.


#8

We purchased it once, because of medical reasons. My sister had to have surgery and we did not know when she was going to have it. It was a trip of me, my mom my sister and DD. We purchased a package. We wanted to be covered in case her surgery changed our plans. Otherwise I agree the cancellation policy is pretty good. We have AP and use the AP discount quite often for rooms. So for us- it is a five day out cancellation.