Disney Travel Insurance Plans – Worth It? Top Tips

Sometimes things don’t go as planned. Things beyond our control can cause bumps in the road with our vacation plans. Luckily, Disney has travel insurance plans that are available for its Guests. Plans are available for multiple Disney Destinations and cover a wide variety of cancellations and circumstances.

Have you ever considered travel protection for your Disney vacation? It’s not a bad idea! As you know, Disney vacations are very expensive. The magic can disappear rather quickly if an issue arises and you aren’t able to do anything about it. While Disney vacation packages are very flexible overall, things can still go wrong and it’s better to be safe than sorry.

In this article, I’m going to give you an overview of the Travel Protection Plans that Disney offers to its Guests. I will discuss which destinations are protected, what it covers, and how much the plans cost. I will also provide you with information on other travel plans that you can consider! Keep reading to see how you can protect your Disney vacation from the unknown.

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Disney Travel Insurance

Which Disney Destinations Are Covered By Travel Insurance?

A Disney Travel Protection Plan is available for vacations to Walt Disney World, Disneyland, and Aulani – A Disney Resort and Spa in Hawaii. You may be wondering about the other Disney Destinations since I didn’t mention them all just now. Don’t worry! Those Disney vacations have coverage options too. Disney Cruise Line, Adventures by Disney, and Disney Vacation Club all  have their own separate plans that are available to Guests. No matter which Disney Destination you’re headed to, you can rest assured that travel insurance is available to you.

What Is Covered By Disney's Travel Insurance?

Since the different destinations don’t all have the same protection plan, I will go over each of the plans and what they cover.

Disney World, Disneyland, and Aulani Travel Protection Plan

• Trip Cancellation and Trip Interruption
  • Reimburses up to total trip cost of the prepaid travel arrangements due to illness, injury and non-medical reasons such as job loss, military service and more
• Trip Delay
  • Reimburses related expenses, up to $600 ($200 per day) if your trip is delayed for 6+ hours
• Baggage Loss
  • Reimburses up to $2,000 for lost, stolen, or damaged luggage and personal effects ($500 each item/$500 aggregate limit)
• Bag Delay
  • Reimburses up to $500 for the purchase of necessary personal items if your bags are delayed 12+ hours
• Emergency Medical Protection
  • Provides up to $25,000 of coverage if you get ill or injured on your trip
• Emergency Evacuation/Repatriation
  • Arranges and prepays for emergency medical transportation and other covered expenses, up to $100,000 max limit
• Travel Accident
  • Provides up to $25,000 in the event of accidental death or dismemberment
• Rental Car Damage
  • Reimburses repair costs up to $25,000 in the event of collision, theft, damage or vandalism to rented vehicles

Disney Cruise Line Travel Protection Plan

• Trip Cancellation and Trip Interruption
  • Up to total trip cost ($20,000 limit) if you cancel or interrupt due to sickness, injury, death and other covered reasons
• Trip Delay
  • Up to $500 if your cruise vacation is delayed for 6+ hours due to carrier-caused delays—including weather, unannounced strike and more
• Accident/Sickness Medical
  • Up to $20,000 to cover medical treatment, hospitalization and more if you become sick or injured on your cruise vacation
• Emergency Medical Evacuation/Repatriation
  • Up to $30,000 to cover emergency medical transport
• Baggage Loss
  • Up to $3,000 to cover loss, theft or damage to your bags or personal possessions
• Baggage Delay
  • Up to $500 to cover the purchase of necessary items if your bags are delayed for  24+ hours

Adventures by Disney Travel Protection Plan

• Trip Cancellation and Trip Interruption
  • Up to 100% trip cost ($50,000 limit per insured) if you cancel or interrupt due to sickness, injury, death and other covered reasons
• Trip Delay
  • Up to $2,000 ($500 per day) for catch-up expenses if your vacation is delayed for 6+ hours due to carrier-caused delays – including weather, quarantine and more
• Emergency Accident / Sickness Medical
  • Up to $50,000 to cover emergency medical treatment, hospitalization and more if you become sick or injured during your vacation
• Baggage Loss
  • Up to $3,000 ($500 per item) if your luggage or personal items are lost, stolen or damaged
• Baggage Delay
  • Up to $500 to cover the purchase of necessary items if your bags are delayed for 24+ hours
• Emergency/Medical Evacuation/Repatriation
  • Up to $100,000 to cover emergency medical transport
• Accidental Death and Dismemberment 24-Hour
  • $25,000 to cover loss of life or limb

Adventures by Disney Protection Plan Plus

• Trip Cancellation and Trip Interruption
  • Up to 100% trip cost ($30,000 limit per insured)) if you cancel or interrupt due to sickness, injury, death and other covered reasons
• Trip Delay
  • Up to $2,000 ($500 per day) for catch-up expenses if your vacation is delayed for 6+ hours due to carrier-caused delays – including weather, quarantine and more
• Emergency Accident / Sickness Medical
  • Up to $50,000 to cover emergency medical treatment, hospitalization and more if you become sick or injured during your vacation
• Baggage Loss
  • Up to $3,000 ($500 per item) if your luggage or personal items are lost, stolen or damaged
• Baggage Delay
  • Up to $500 to cover the purchase of necessary items if your bags are delayed for 24+ hours
• Emergency/Medical/Evacuation/Repatriation
  • Up to $100,000 to cover emergency medical transport
• Accidental Death and Dismemberment 24-Hour
  • $25,000 to cover loss of life or limb
• CancelFlex
  • 75% of non-refundable payments and deposits for trips up to $30,000

Disney Vacation Club Travel Protection Plan

• Trip Cancellation and Trip Interruption 
  • Helps protect your travel investment by reimbursing you for pre-paid, non-refundable dues and other out-of-pocket expenses if you must cancel or interrupt your trip due to a covered reason.
• Emergency Medical Expenses
  • Ensures you receive adequate medical care when traveling and can cover the cost of transporting you to the nearest medical facility in an emergency.
• Trip Delay
  • Provides coverage if you are delayed for 5 hours or more while en route to or from your destination.
• Primary Coverage
  • Provides easy claims handling and less time and hassle to receive reimbursement for eligible losses with no deductibles. Funds may be recovered from your medical or other collectible insurance plans.
• Baggage and Baggage Delay
  • Safeguards personal articles and expenses if bags are lost, stolen, damaged or delayed for 12 hours or more while traveling.
• Security Deposit Protection
  • Provides coverage for accidental and unintentional damage to your unit and its contents

How Much Does Disney's Travel Insurance Cost?

Just like the coverage, the prices of these travel protection plans vary. Some are a flat fee while others are a percentage of the trip.

Disney World, Disneyland, and Aulani Travel Protection Plan – This protection plan is a flat rate fee. However, the price does vary depending on which destination you’re traveling to. The price per adult is $95 for Walt Disney World, $85 for Disneyland, and $99 for Aulani. Children through age 17 are free.

Disney Cruise Line Travel Protection Plan – For Disney Cruise Line, I can't give you an exact amount of what your travel insurance will cost. With Disney Cruise Line, the Travel Protection Plan will be 8% of your total cruise cost.

Adventures by Disney Travel Protection Plan – Travel insurance for Adventures by Disney is also a percentage of your total trip cost. For the standard protection plan, your travel insurance will be 8.38% of your total cost. If you choose the Plus option, your travel insurance will be 13.41% of the total cost of your adventure.

Disney Vacation Club Travel Protection Plan – The price of travel insurance for Disney Vacation Club is another flat fee. For just $99, you will receive a full year of protection for your Disney Vacation Club travels.

How To Get Disney's Travel Insurance

Adding travel insurance to your Disney vacation is quick and easy! For Disney World, Disneyland, Aulani, and Disney Cruise Line, you can add travel insurance to your vacation online. You can either do this when you are making your reservation, or you can add it on later.

In order to add travel insurance to your Adventures by Disney trip, you’ll need to call in. There is not an option to add this travel protection plan online. To add this travel insurance, you can call Adventures by Disney at (800) 543-0865.

Disney Vacation Club travel insurance can be secured online or by phone. To add this travel insurance online, just click here! If you’d prefer to call, you can call Member Services at (800) 800-9800 or (407) 566-3800.

If you’re working with a travel agent, they will also be able to add any of these travel protection plans to your reservation for you. Please note, that all of these travel protection plans MUST be added to your reservation prior to the final payment being made towards your vacation.

Get Away Today Travel Insurance

If you’re looking for both savings and protection for your vacation, then we’re going to refer you to Get Away Today again! As I discussed earlier, Get Away Today can provide you with the best priced tickets as well as assist you with your Disney vacation planning. However, their assistance doesn’t stop there. They also have travel insurance available for you to add to your magical vacation.

The travel protection plan at Get Away Today is called the Peace of Mind Plan. The Peace of Mind Plan is only $99 per vacation package. This plan provides you with both comfort and flexibility. Get Away Today’s Peace of Mind Plan allows you to change or cancel your tickets, reschedule your hotel, change your hotel, drop a night from your hotel stay, cancel your hotel stay, or even cancel your entire package at no additional cost to you! Enjoy the relief of knowing that if anything happens with the vacation package that you book with Get Away Today, you’ll be taken care of.

Protecting Your Disney Vacation

Due to the expense of Disney vacations along with the unexpected expenses that could arise without warning, it’s understandable to want to protect your trip. While Disney does offer its own Travel Protection Plans, and we recommend Get Away Today’s Peace of Mind Plan, there are other options out there!

If you decide that you want to protect your Disney vacation, take some time to shop around. Consider speaking to your travel agent or your insurance company first to hear what recommendations they have. You can also browse the web to find travel insurance that works best for you. Prices of 3rd party plans will almost always vary depending on your vacation price, the size of your party, the age of the travelers in your party, where you’re traveling to, and how you’re traveling. You’ll also want to consider how much coverage you’re looking for. No matter which travel insurance company or protection plan you decide to go with, make sure that it does provide you with relief so you can enjoy your time on your magical Disney vacation!

Frequently Asked Questions