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Poll: Trip Insurance... Good Idea or Waste of Money?

Discussion in 'WDW Trip Planning' started by larryz, Sep 9, 2017.

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Will you buy trip insurance for your next WDW vacation?

This poll will close on Sep 30, 2017 at 11:17 PM.
  1. Yes, the WDW-offered package

    14 vote(s)
    26.4%
  2. Yes, but I'll find my own trip insurance carrier

    15 vote(s)
    28.3%
  3. No

    24 vote(s)
    45.3%
  1. DisneyJoe

    DisneyJoe Well-Known Member

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    Make sure that if you are traveling internationally, say, on a cruise, that this coverage includes emergency evacuation insurance, or you could be looking at a large bill for a medical evacuation.
     
    ajrwdwgirl, GoofGoof and andysol like this.
  2. nickys

    nickys Well-Known Member

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    Yep. Plus in the UK anyway, credit card cover will not cover you for ANY pre-existing medical issues, and that includes anything related to any medication you may be taking, anything that you have consulted a doctor about in the previous year, any medical investigations like scans etc. In short it's pretty useless for any kind of medical cover at all. And certainly wouldn't give us the £2 million cover we're advised to have! And it wouldn't cover anyone else travelling with you if you had to cancel for the afore mentioned reasons.

    To be fair though I guess andysol was talking about purely domestic trips.
     
    andysol likes this.
  3. eliza61nyc

    eliza61nyc New Member

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    depends on the time of year I go. If I go in September or October than yep, I purchase the trip insurance. I have been burned by a hurricane on a previous vacation. I figure with all the money I blow at disney on Junk, hey a couple hundred bucks for some peace of mind is well worth it.
     
  4. eliza61nyc

    eliza61nyc New Member

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    the problem with that is many (not all of them) of these cards have annual fees. Amex platinum is 400 bucks a year. more than any trip insurance.

    The Ritz carlton card is $450 bucks a year. Seriously???
    Citi/AA advantage. 100 annual.
    all of these were more than my trip insurance for my trip to Paris.
     
  5. andysol

    andysol Premium Member

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    Actually, I think they all have a fee. Some, like the ritz, sapphire reserve, executive world elite, etc have 450 fees. Amex platinum is actually 550. But it's not like those card's only benefits are trip insurance :D They're top echelon cards for a reason- the perks. What is it worth to have gold Marriott status, or sitting in airport lounges enjoying the complimentary food and alcohol or getting 3-5x point/dollar, better point spends, etc. But some like the Marriott is 95, or sapphire preferred are 95 w/ no fee the first year.
    But my point is that the other insurance benefits easily off-set the minimal $95 fee. Lost luggage insurance, car rental insurance, etc. It goes beyond just travel insurance- as I said, trip delay insurance (trying to get home) is just as important. I stayed on a tight budget to stay under my $2000 policy for Saturday-Tuesday at the contemporary + food + driver + incidentals- but I spent $2000.33. And I'll get $2k of that back due to the card policy. No deductible. Disney Deluxe hotel and food for "free" for 3 days (1 at the park)? That's tough to beat.

    Just using the Chase Sapphire preferred as the example @ $95- beyond all the numerous insurance benefits: the free global Entry or TSA ($100 right there), 50k point sign-up bonus (could take $500 cash right on the spot, or ~$625 in travel spend), more flexible reward transfers, etc- it kind of makes it a no-brainer vs something like the Disney premier card w/ it's $49 fee.

    Going to France, you'd still need insurance- these cards are typically domestic insurance only. But as it relates to WDW- I'd do a cheaper card in a heartbeat and reap the secondary benefits vs blowing my money on trip insurance and getting nothing in return at best.
     
    Last edited: Sep 13, 2017
  6. jaklgreen

    jaklgreen Well-Known Member

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    I only buy trip insurance if I leave the country or go on a cruise. Mostly because if I needed to have some kind of medical evacuation, the insurance would cover it. I am not really that concerned with getting my money back for the trip to WDW since I book room only and have an annual pass. I also fly SWA and if I need to cancel then I can either get my points back or get the fee back as a credit.
     
  7. disneyca

    disneyca Member

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    Last trip we got insurance through Disney. We are from Canada, and we were really glad we had insurance,
    I got very sick at the park, and was transported to the hospital by ambulance. I had to have an emergency CT Scan, and was admitted to the hospital. Our bill for the hospital including all my tests was over $13,000.00 . We didn't have to pay any of the bill (thank goodness!) You never know when you will get sick.
     
  8. Uncle Lupe

    Uncle Lupe Well-Known Member

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    Yes I get it for a big trip that took years of saving, planning and preparing. Just gives me peace of mind especially traveling during hurricane season and medical reasons. We seem to have bad luck so Murphys Law applies and do what I can to cover our potential losses.
     
  9. Weather_Lady

    Weather_Lady Well-Known Member

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    If we aren't renting DVC points, we take the risk and go without insurance, since most of the other costs of the trip are either refundable in whole or in part, or (e.g., tickets) can be used another time. Airfare is the exception, but we're typically traveling on rewards points.

    If we're renting DVC points, which is entirely non-refundable, then we do get trip insurance to cover it.
     
  10. Rob562

    Rob562 Well-Known Member

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    I'm in the "in depends on the trip" camp. I've never bought insurance, but most of my travel has been easily cancelable/changeable. (Room Only, Southwest flights, tickets we can use later, etc)

    But our trip next year will involve a number of other people we've never traveled with, and we're most likely renting DVC points for the first time. The non-refundable nature of the DVC rental will push us to get insurance.

    Also, if I were traveling internationally, especially on a cruise, we'd also definitely get the insurance.

    -Rob
     
  11. Monty

    Monty Who opened Pandora's Box? Premium Member

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    Disney Cruise: Yes

    Any other travel: No.

    My health care through work covers me very well for anything medical for up to 30 days outside the country. Everything else is either something that can be cancelled or rescheduled at very minimal cost.

    On a cruise, I get the insurance for emergency evacuation coverage.
     
  12. RookieMouse

    RookieMouse New Member

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    We are also from out of country (Canada) so we will always get insurance when we travel to the US, but between my card and the travel medical insurance through our home/auto insurer, we are pretty much covered for anything so don't need Disney's insurance.
     
  13. copcarguyp71

    copcarguyp71 Well-Known Member

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    No mater where we go I err on the side of caution and buy insurance but usually go through AAA for it. Their insurance is (in most cases) more comprehensive than many others.
     

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