How to Get Travel Insurance for Your Next Disney World Trip

A trip to Disney World is a must for families who want to make memories with their kids that will last a lifetime. But making magical memories can cost a lot of money. Tickets to theme parks, hotel reservations, plane tickets, and car rentals all add up. That's why it's a good idea to buy travel insurance to protect your trip investment.

With the right travel insurance plan, you can rest easy knowing that everything from lost luggage to a full trip cancellation can be covered.

Let's look at how to get the best travel insurance for your trip to Disney World and what to expect.

Travel insurance made by Disney

First of all, you should know that Disney has a travel insurance plan that you can buy as an add-on to a vacation package for either Disneyland in California or Walt Disney World in Florida. You just need to choose "Add Travel Protection" when you check out. You can also call Walt Disney Resort to add it to your reservation, and you can buy it at any time before you pay for your trip in full.

Their Travel Protection Plan is available to people who live in the U.S., and Arch Insurance Company, which is based in Jersey City, NJ, backs the insurance benefits.

As of the date this article was written, what does Disney's official travel insurance cover? Let's take a look:

Trip Cancellation or Trip Interruptions: If you need to cancel or interrupt your upcoming Disney trip for one of the covered reasons, like an illness or injury, you could be reimbursed for non-refundable travel package costs. This includes the cost of your flight, even if you booked it separately, as long as your flight is within seven days of your travel package.

Trip Delay: If your trip is delayed for a covered reason, Disney's insurance plan will pay for up to $600 ($200 per day) of your eligible costs.

Baggage Loss and Baggage Delay: The Disney insurance plan will pay up to $2,000 if your bags are lost, stolen, or damaged. If your bags are late, the plan will pay for any extra things you need to buy because your bags are late by 12 hours or more.

Emergency Medical Protection: If you get hurt or sick while on your trip, the plan can pay up to $25,000.

Emergency Evacuation/Repatriation: If you get hurt and need to be evacuated or moved, the plan can also pay for emergency medical transportation and other costs.

Accidents on Your Trip: If you die or lose a limb in an accident while on your trip, the plan can pay up to $25,000.

Rental Car Damage: If you rent a car on your trip and it gets broken into, stolen, or vandalized, the plan will pay up to $25,000 to fix it.

One thing to remember is that the details of the policy may be different for you depending on where you live.

Disney Travel Insurance vs. Travel Insurance from a Third Party

You can definitely buy travel insurance from Disney, but you can also buy it from other companies. In fact, comparing plans from different insurance companies could save you money and give you better coverage in the long run.

As of 2022, Disney's travel insurance plan costs $82.50 per adult and $6 per child. You can only see this price when you are booking a vacation package at checkout. If you're planning a pricey Disney trip, this isn't a bad price, especially since it includes everything above. However, if you're on a tight budget, this is a pretty pricey plan.

Also, travel insurance companies rarely offer flat-rate plans. When you get travel insurance from different companies, the price will usually depend on a few key things, like your age, the cost of your trip, and the type of coverage you want. Chances are, you can get travel insurance from a company other than Disney for less money than from Disney itself.

When you book through a travel insurance company, you'll also have a lot more options for coverage. You can choose the type of coverage you want. For instance, if you drive your own car to Disney World, you wouldn't need the Car Rental Damage or Baggage Loss/Delay insurance that Disney offers. You might not be too worried about dying or losing a limb on your trip, in which case you wouldn't need Disney's Travel Accident coverage either.

In short, if you book insurance with a company outside of Disney, you can choose the exact coverage you need, which will affect the price. This means it's likely you'll get a better deal than with Disney's Travel Protection Plan.

Get Your Insurance

You can easily compare rates at TravelInsurance.com if you want to see what coverage and prices different travel insurance companies offer. To start, all you have to do is fill out a short online form. Make sure you have these things with you:

Trip cost
Main destination
Trip dates
How many people are going
How old are travelers?
Permanent residence
Citizenship
Initial trip payment date

Comparison travel insurance websites are great because they let you check the prices and coverage levels of different policies from top insurance companies in a matter of minutes. This makes it easy to find the best policy for your Disney trip.

What to remember When looking for travel insurance

Since there are so many companies that offer different levels of travel insurance, you may not know what kind of insurance you should get. So, how do you pick the best travel insurance plan for a trip to Disney World?

Here are the main kinds of travel insurance to think about and compare to your own needs:

Lost Baggage

If your luggage is lost or delayed when you get to the airport, it can be a real pain. If you are traveling with kids, it can be a real nightmare. You might have to go out and buy diapers, snacks, clothes, pajamas, and toothpaste right away.

Even though baggage insurance won't magically find your lost bags, it can cover the costs of the loss so you don't have to worry about how much you're going to have to pay for the trouble. How wonderful!

Trip Cancellation

If your trip is canceled for a reason that is covered by your insurance, trip cancellation insurance can reimburse you for costs you already paid for but can't get back, like hotel reservations, flights, and other bookings.

Make sure to read the fine print to find out what is and isn't covered, but this type of insurance usually covers things like illness or injury, hurricanes, and other natural disasters.

Any Reason to Cancel

This type of travel insurance is usually an upgrade from the basic Trip Cancellation insurance. As the name suggests, you can cancel your trip for any reason. This option is especially helpful in the uncertain COVID-19 climate of today, when you might be worried about the virus before your trip to Disney. Most travel insurance plans will cover a standard trip cancellation for COVID-19, but they won't cover fear or worry about traveling or a Disney World closure. This is where a Cancel For Any Reason upgrade can be helpful.

One Last Thing

You don't want to think about losing your luggage, getting sick right before your trip, or a hurricane warning, but having travel insurance, whether it's through Disney or an outside insurance company, will give you the best luxury of all: peace of mind.

Compare prices online at TravelInsurance.com right now to see what rates you can get for your next trip.