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There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. I Travel Frequently, is There a Better Option?
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Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge. Circumstances covered by cruise travel insurance vary by policy and by issuer. Many cruise lines partner with an insurance company to underwrite its policy benefits. Check with your personal health insurance company and ask if they cover overseas personal travel. If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise.
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Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit. Some cruise insurance policies will cover itinerary changes. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation.
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The longer you wait to buy cruise insurance, the higher the price may become. Tammy has been a lover of all things Disney for most of her life. There’s nowhere on this Earth she’d rather be than on a Disney cruise with her family. She’s a Space Force wife and proud mom of two wonderful children and one beautiful daughter-in-law . She fulfilled a lifelong dream in 2008 and became a travel agent specializing in Disney vacations. She now owns her own travel agency - Storybook Destinations.
If your main fear is cancelling, Disney’s insurance plan is a great option and has a cancel for any reason clause. In my opinion, it’s the number one reason to get insurance through Disney. If you have a pre-existing condition, for many policies you need to buy insurance within 14 days of your deposit for that condition to be covered. Of course, because it’s non-refundable, that’s a risk if you are booking a cruise you’re not positive you will take. Disney’s insurance plan is also not a good option for you, as it does not cover pre-existing conditions. If you’re not worried about a pre-existing condition, you have a lot more leeway on the when.
Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card. Which Insurance Company is Best? – There’s no easy answer here. I have personally used and can recommend Disney’s insurance plan, USAA’s policy, and Allianz. There are other great companies out there though.
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But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable. Because of the high cost of Disney tickets (and the fact that most Disney tickets are nontransferable and nonrefundable), you likely want to be covered for those too. A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime. Click the image below to get a quick quote from Allianz Global Assistance for your Disney Cruise travel insurance.
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You can buy insurance up until the day before you leave from many companies. I don’t necessarily recommend that, but it is possible. One of the main risks you are taking in that case is a different kind of pre-existing condition.
In my personal experience and all of my research, Allianz Global Assistance has provided competitive prices, paid out claims, and given awesome customer service. Our mission is to help you save time and money on your vacation. Your TouringPlans.com subscription helps us to help you by funding new articles and research. Tammy Whiting is the owner of Storybook Destinations. Did you know Storybook Destinations offers a complimentary subscription to TouringPlans with qualified Disney and Universal bookings?
Click here for a no-obligation quote on your next vacation. How Much Does Allianz Global Assistance "Prime Plan" Cost? Around 2-6% of the total cost of your trip.
Make sure you choose a policy that covers it. Are you worried about a pre-existing condition? Are you worried about flight delays and bad weather? The same goes for anything else that worries you! There are so many options out there, odds are you’ll find one that fits both your concerns and your budget. Check with your bank to see what’s covered.
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