The best travel insurance for your dream Disney World vacation in 2021 – Forbes Advisor

Editor’s Note: We earn a commission through affiliate links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Like any trip, a Disney dream vacation can quickly turn into a nightmare. Whether it’s an unexpected flight delay on your way to Orlando or the loss of your camera on Space Mountain, you never know what might happen.

According to the latest statistics from Disney, more than 20.8 million people visited Magic Kingdom in 2018. Epcot welcomed 12.4 million and Animal Kingdom hosted 13.75 million in hopes of making the transit flight.

This means that many travelers are asking themselves these questions. With the coronavirus threat weighing heavily on people’s minds, there is even more pressure on families to make the right travel decisions.

But how is a Disney vacation different from any other trip? How do your travel insurance needs differ? And what insurance coverage do you have to pay attention to when taking out a policy?

“Bringing the family to Disney can be one of the most magical times you have with your kids,” said Daniel Durazo, a spokesman for Allianz Travel. “But it can also be the most unpredictable.”

Do I need “Official” Disney Travel Insurance?

When booking an amusement park vacation (including flights and hotels), your agent may suggest the Disney Travel Protection Plan (offered by AON Affinity). While you don’t have to buy it, reviewing the coverage will give you a good idea of ​​what could go wrong when you are on your dream Disney vacation.

The plan includes:

Baggage delay. If your airline loses your baggage and it is more than 12 hours late, you can get a refund for the purchase of necessary personal items.

Loss of luggage. Get up to $ 2,000 for lost, stolen, or damaged bags or personal items.

Emergency assistance. You are entitled to travel assistance, medical assistance and emergency services around the clock.

Emergency evacuation and repatriation. If you are injured, the policy covers emergency medical transportation and other costs.

Medical emergency protection. The policy provides coverage of up to $ 25,000 for illness or injury suffered while traveling.

Trip interruption and trip interruption. In the event of injury or illness, you will be reimbursed for the full amount of your prepaid travel services. It also covers non-medical reasons such as job loss or (for military personnel) a change in military order.

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

Travel delay. The policy will reimburse you for costs related to a delay up to USD 600, up to a maximum of USD 200 per day.

Damage to the rental car. The policy reimburses repair costs of up to $ 25,000 for collision, theft, damage, or vandalism to rented vehicles.

Disney’s insurance package

Standard Disney travel insurance is a type of “Named Perils” policy with relatively low coverage. (For example, $ 25,000 in rental car collisions wouldn’t cover most rental cars when you sum the vehicle up.)

That said, Disney has a generous vacation package refund policy. It has also lifted the penalties for short-term cancellations due to the coronavirus. But if you book in advance for a post-pandemic vacation, what kind of insurance do you really need?

The key is to check what will be reimbursed if you cancel or where you are already insured. If non-refundable amounts are relatively small, you don’t need travel insurance.

For example, take lost luggage with you. Airlines are notorious for losing checked baggage – after the audacity of charging you for it – which can quickly ruin your dream Disney vacation. But most travel credit cards with charges of or more provide travel protection such as delayed travel and lost luggage reimbursement.

If your suitcases are mostly made up of t-shirts and shorts, then you cannot consider this a huge potential damage to be insured.

If you are expecting large, non-refundable deposits, you can cover them with travel insurance. “All prepaid, non-refundable travel expenses can be insured,” said Kasara Barto, a spokeswoman for Squaremouth, a travel insurance company.

Cancel for any reason

A “cancellation for any reason” policy costs more than regular travel insurance (between 10% and 12% of the cost of your theme park vacation). You can cancel the vacation and get a portion of your prepaid, non-refundable travel expenses back (often 50% or 75% back). You are not bound to terminate for just one of the reasons listed in a policy.

Do you need it? Keep in mind that Disney will give you a full refund up to 30 days in advance of your reservation. If you are within two to 29 days of travel there will be a $ 200 cancellation fee but the rest of your package will be refunded. If you cancel a day or less before the trip, you will pay full price and receive no refund.

If you have non-refundable airline tickets, contact the airline. Many have extended rebooking policies due to COVID-19, so you may have some leeway.

So, if your main concern is just the one-day window of time leading up to the trip, then purchasing coverage can be a bad bet unless you have other high-priced non-refundable elements of your vacation.

Being sick at Disney

Worried about kids getting sick at Disney? Your US health insurance will likely provide a good safety net even when you travel. If you know that your provider network does not extend into Florida (e.g. a restrictive HMO), check your coverage outside of the network.

In the worst case scenario, where you think you have little or no health insurance with Disney, travel insurance could cover the need. For example, Allianz’s OneTrip Prime Plan and OneTrip Premier Plan cover children aged 17 and under at no additional cost when traveling with a parent or grandparent. Policies include up to $ 500,000 in emergency medical transportation and up to $ 25,000 in emergency medical benefits in the event of illness or injury that is covered during your trip, Durazo says.

What if my job prevents my family from going to Disney World?

If your job often has last minute emergencies, you could worry about having to cancel your Disney trip at the last minute. Jonathan Breeze, CEO of travel insurance website Aardy, notes that most of Disney’s visitors are of working age. “As such, they take a work-approved vacation,” he adds. “And although canceled vacations are rare, it does happen.”

He recommends looking at a policy with built-in termination reasons. That way you are covered if an employer forces you to cancel your vacation at the last minute.

What about COVID and Disney?

Keep in mind that most travel protection plans do not cover COVID-19 as a reason for cancellation.

“When a travel destination booked by a traveler is open and accepting guests and the traveler can leave but doesn’t want to travel, they are on the go all the time [non-refundable] Travel expenses, ”explains Kiger from Kingdom Destinations.

Still, consider the potential loss. If you’re about to go, but at least two days before, all you have is $ 200 on a Disney package. And possibly less right now as Disney is offering more refunds during the pandemic.

Comments are closed.