Disclosure: This guide about Disney Cruise travel insurance contains affiliate links. Read full Disclosure Policy.
Updated October 2017

Do you need Disney Cruise Travel Insurance?

Disney Cruise Insurance

…do you need it?

There’s a 17% chance you’ll need it*
So, are you willing to take the chance?

I've researched the options for Disney Cruise travel insurance. In this article I will cover:
  • What is trip insurance
  • Why you might need it
  • Is Disney's own cruise insurance a good deal?
  • My personal recommendation for Disney Cruise travel insurance

You’re spending $5000 or more on your Disney Cruise. Are you willing to gamble this money?


Essentially, this is the question we’re asking ourselves when deciding whether or not to purchase cruise travel insurance for a Disney Cruise.

For me, the answer is no. Disney Cruises are expensive. I’m not willing to gamble the money I’m spending on this dream vacation.

But everyone is different. Let’s explore what might be right for you.

Why? What Could Go Wrong?

1 in 6 Americans

say their travel plans have been impacted by medical conditions, natural disasters including severe weather; or mechanical or carrier-caused problems.

Travel Can Bring the Unexpected

Here are some real-life examples of things that I have personally experienced or witnessed in my travels:

  • Theft on beach in Hawaii
  • Pickpocketers in Italy
  • Stung by stingray in Mexico
  • Trip to Cabo San Lucas cancelled due to hurricane
  • Slept in Nashville airport thanks to severe weather forcing a flight cancellation
  • Missed connection in Denver
  • Lost luggage in Las Vegas, Salt Lake City & Phoenix
  • Forced to stay extra day at sea on Disney Cruise thanks to Hurricane Matthew

How Your Disney Cruise Could Be Messed Up


“No one needs insurance until they need insurance.”

21
REAL LIFE STORIES
“Have you ever had to make a claim for Disney Cruise travel insurance?”
Read 21 real life stories.
You probably don’t want to think about this.

(I know I don’t.)

Unfortunately, Disney Cruises, despite all their magic, are not immune to accidents or unexpected mishaps.

What can happen on or before a Disney Cruise that could put your vacation dollars at risk?

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    You Miss the Boat

    Your cruise ship has a schedule to keep. It will not wait for you.

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    You Have to Cancel

    Sometimes people get sick, loved ones pass away, divorce can change plans. Depending on when “life happens”, your deposit is at risk.

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    You Get Hurt

    With a Disney Cruise brings new adventures. Unfortunately, accidents can happen.

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    You Lose Your Bags

    Losing a bag en route to your cruise is, at best, inconvenient. You might not have time to buy replacements. And if you have to purchase anything on the ship — that’s expensive.

Breakdown of Claims:
Why People are Using Trip Insurance

Travel Insurance Claims Breakdown

Trip Cancellation: 40% of Claims


It happens every day.
People have to cancel their Disney Cruises for many reasons.
Here are the most common:

Bad Weather

Bad weather cancels or delays a flight en route to a connection or cruise.

Airline Delay

Airline delay or strike makes you miss a connection or cruise

Death, injury or illness

Death, injury, or illness of a family member

Car Trouble or Accident

Undriveable car or accident on the way

Home is damaged

Your home is damaged due to natural disaster, fire, or burglary

Court appearance

You are summoned by a judge to appear in court (jury duty, etc)

Divorce or Pregnancy

A divorce or unexpected pregnancy causes a change of plans

Lose a Job

You’re laid off due to no fault of your own


Trip Delays & Interruptions: 37% of Claims


Trip interruption is any situation that causes you to unexpectedly have to end your trip and return home.
Trip delay is any time your trip has been delayed due to accident or a canceled flight or whatever.

What could cause a trip interruption or delay?

Natural Disaster

Floods, tornados, wildfires, whatever! Mandatory evacuations can really slow you down

Illness or injury

Getting sick or hurt is no fun. Especially on vacation!

Attack, Assault, Robbery

A vicious attack can interrupt or abruptly end a trip

Job or Money Problems

Have to work unexpectedly?

Labor Strike

When travel workers go on strike, it can really mess up your plans

Trip Provider Bankruptcy

A travel supplier (tour operator, etc) ceases operations due to financial default or bankruptcy

Medical Expense: 13% of Claims


If you get sick, hurt, or (heaven forbid) die while on your Disney Cruise, there can be a bevy of hefty costs. Here are just a few:

Hospitalization

Spending any amount of time in the hospital is expensive


Evacuation

If you get hurt in a remote spot, you’ll need to be transported to a hospital

Return of Remains

Care for the deceased after unexpected death

Lost or Delayed Baggage: 9% of Claims


Stuck somewhere without your bathing suit, toiletries, Mickey Ears and fresh pair of undies?

Yeah, it’s a total bummer and inconvenience, but worse…last second replacements are often outrageously expensive.

4 Reasons You Might Not Need DCL Travel Insurance


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    Cost of Vacation is Minimal

    Not spending much on flights or other travel? Got a screaming deal on a 3-day cruise and it just wasn’t that expensive? (If yes, show me how!)

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    Your Domestic Health Insurance Will Cover Medical Emergencies Abroad

    Check with your existing carrier to find out what they will or won’t cover overseas.

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    You're Comfortable with Risk of Lost Luggage

    You can deal with the inconvenience of lost or stolen baggage.

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    You're Okay with Losing Any Amount of Money

    You can handle the loss of the cost of your trip plus any additional costs you incur due to medical emergencies, evacuations, or added travel expenses.

What Travel Insurance Should I Choose?

So, are you leaning toward getting Disney Cruise travel insurance for your upcoming sailing?

Next step is to select an insurance provider.

I know, I know. Seems overwhelming, right?

Should you get Disney Cruise Insurance?
Don’t Stress! I’ll Give You a Place to Start


Yes, there are a lot of options out there. A LOT.
I definitely recommend you do comparison on your own.
However…

I’ve done a lot of research on this. I’ve got you.

There are two basic types of Disney Cruise travel insurance policy:

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    Individual

    Individualized policies tend to cover specific worries you might have. If you want just one type of coverage in particular (e.g. medical) call your insurance company and ask for that.

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    Comprehensive

    Comprehensive insurance policies cover basically everything I mentioned earlier (always read your policy to understand it) all in one package.

Here…let me make it simple

I’ve looked at a lot of travel insurance options.

To keep things simple, I have narrowed my comparison to two comprehensive options commonly selected by Disney Cruisers:
  • Disney Cruise Line’s Vacation Protection Plan
  • Allianz Global Assistance

Disney Cruise Insurance
These two options will cover most travelers.
(As always, however, you should definitely do your homework and check out all the Disney Cruise travel insurance options.)

Let’s take a look at each…

Disney Cruise Vacation Protection Plan

Disney has Disney cruise insurance coverages that you can purchase through Disney (or your travel agent) that are underwritten by Transamerica Casualty Insurance Company.



When Can You Buy Disney Cruise Vacation Protection Plan?


You can purchase online, over the phone through DCL, or via your travel agent any time before your final payment is made.


How Much Does Disney Cruise Vacation Protection Cost?

8% of the per person sailing fare. Minimum per person cost is $29; maximum per person cost is $399.

Disney Cruise Insurance

Pros:

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    Convenience

    You can book it at same time you book everything else through DCL or your travel agent.

Cons:

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    Flights not covered

    Unless you book your air travel through Disney, your flights aren’t covered.

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    More expensive

    Per person cost for DCL’s insurance is higher than many other plans.

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    No pre-existing conditions

    Pre-existing conditions are not covered

Allianz Classic Plan

Allianz Global Assistance offers several plans that vary in coverages.

The most popular plan, and the one I recommend for a Disney Cruise, is called “Classic”.

When Can You Buy Allianz “Classic Plan”?
You can purchase up to 11pm eastern of the night before you begin your travels. If you have a pre-existing condition, you’ll want to purchase within 14 days of your first deposit, in order to meet an important condition for having pre-existing conditions covered.

How Much Does Allianz “Classic Plan” Cost?
Around 2-6% of the total cost of your trip. My last quote was under 4% of my trip cost.

Allianz Global Assistance for Disney Cruise Insurance

Pros:

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    Kids are free

    Kids under 18 are covered free.

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    Better coverages

    Overall better coverage limits.

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    Half the cost

    Cost is about 4% of the total cost of your trip. Disney is 8%.

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    Pre-existing conditions

    Buy policy within 14 days of making first deposit, it will also cover pre-existing conditions.

Cons:

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    Umm...it's not Disney?

    Only thing I can think of is you have to book Allianz insurance outside of Disney.

What’s Covered? Comparison

NOTE: Disney Cruise’s own insurance (Vacation Protection Plan) has some restrictions in the fine print:
– First, the trip cancellation plan only covers flights booked through Disney. If you make your own flight arrangements, you’re not covered.
– Second, if you must cancel for a reason that’s not covered, all you get is a Disney cruise credit equal to 75 percent of the cancellation fees imposed.

* Benefits as of January 21, 2017

Disney Cruise Travel Insurance Benefits Allianz Global Assistance Insurance
(Classic Plan)
Disney Cruise
Vacation Protection
Emergency Medical Up to $25,000 Up to $10,000
Emergency Medical Transportation Up to $500,000 Up to $30,000
Trip Cancellation Up to 100% of nonrefundable costs Up to 100% of nonrefundable costs
($10,000 limit)
Trip Interruption Up to 150% of nonrefundable costs Up to 100% of nonrefundable costs
($10,000 limit)
Only valid on travel booked thru Disney
Trip Delay Up to $800 Up to $500
Only valid on travel booked thru Disney
Missed Connection Up to $800 Included in trip interruption
Only valid on travel booked thru Disney
Change Fee Up to $250 No
Lost Luggage Up to $1000 Up to $3000
Only valid on travel booked thru Disney
Delayed Luggage Up to $300 Up to $500
Only valid on travel booked thru Disney
Cost Comparison
Policy Cost Approximately 3-5% of total trip cost
Kids under 18 are free
Approximately 8% of total trip cost

Why I Recommend Allianz

As you can see from the above information, Allianz offers quite a bit more coverage for your Disney Cruise travel insurance than the DCL protection plan.

In my personal experience and all of my research, Allianz has provided competitive prices, paid out claims, and given awesome customer service.

Allianz Travel Insurance
They have an A+ rating with the BBB. They’re rated 4.55 out of 5 on InsureMyTrip. You’re safe to purchase from them in confidence. For more reassurance, read these individual reviews.

Disclosure: If you buy a DCL insurance policy through the Allianz links, I get a small commission. It’s not much but it helps keep the website running and doesn’t cost you any extra. You don’t have to use my links, but I’m very thankful when you do. I recommend them not because of the commission but because I use them myself. 

GET A FREE QUOTE

Get the image below to have Allianz give you a personal quote for your Disney Cruise travel insurance.

Allianz Travel Insurance

Understand Your Policy
Each policy is different. Whatever Disney cruise trip insurance you choose, read and understand your policy. Carefully read the definitions of “trip cancellation” and “trip interruption.”

Frequently Asked Questions

What if I Have Personal Health Insurance?

Check with your personal health insurance company and ask if they cover overseas personal travel. Most do not. Remember that Disney Cruise travel insurance (also known as DCL insurance) not only gives you more health coverage but also provides insurance for flight delays, travel interruptions and lost luggage.

Can I Change My Mind?

All trip insurance plans have a “Free Look” period that starts when the plan is purchased and lasts between 10 and 15 days (check your plan details).

This free look period gives you time to review your policy and return it for a refund within the time period.

How to Make an Travel Insurance Claim

Regardless of what Disney Cruise travel insurance provider you go with, here are three tips to help you if you ever have to make a claim:

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    Doctor Support

    If you cancel a trip due to sickness or you have a medical emergency while traveling, you will need documentation from a doctor.

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    Keep All Documents

    The more documentation you have of your expenses, the better. The insurance company will require proof of expenses, amounts you have paid, and any refunds you may receive.

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    Don't Wait

    Contact your Disney Cruise travel insurance company as soon as possible. Virtually every good trip insurance company offers 24/7 support. Get in touch with them early and assume nothing. Ask a lot of questions.

Pin For Later

Finally! Someone explains Disney Cruise Travel Insurance...