Disney vacations are once in a lifetime. Even if you’re an avid Disney traveler, every single trip is going to be unique. From the minute you close your front door, you are departing on a Disney adventure like no other. So why risk the money you invested to experience “The Happiest Place on Earth” by leaving your trip plans unprotected? Travel insurance for Disney trips can be the difference between remembering the smiles instead of the tears.

Questions to Ask Yourself
When Considering Travel Insurance for a Disney Trip

Would I be upset if I lost the money I spent to book this Disney trip?

A Disney vacation study done by Hipmunk.com, noted that on average in 2016, a family of four spent $3,826 for a Disney World vacation on-property and $3,006 for off-property. If you were visiting Disneyland in California, the same study revealed the average cost was much more, landing at $4,762 for an on-property trip and $3,279 for an off-property trip. This is a lot of money to leave hanging in the balance.

If the possibility of losing this travel investment scares you, comprehensive travel insurance is the answer for your Disney trip. Disney does allow you to cancel or change the date of your tickets or vacation package in the case of a hurricane.

Are my children or travel companions prone to illness or injury that would prohibit us from traveling?

Germs are unpredictable, especially if you are traveling during cold and flu season. Ear infections and sinus infections can prohibit people from being able to travel on a plane due to the air pressure. If it’s possible that your children, or other traveling companions, could be diagnosed with an illness or an injury that would keep them from flying, you will want the added protection of travel insurance to turn to. With a doctor’s note and proof the illness or injury was not present prior to purchasing the insurance, you could be eligible for reimbursement if you need to cancel your trip.

Don’t forget to think about the people NOT traveling with you. Sometimes, medical emergencies or emergencies at home can prohibit you and your family from traveling as intended (or can end a trip early). A comprehensive travel insurance plan allows for you to cancel your trip or leave your trip early while staying focused on what truly matters. If your cancellation or interruption reason is listed on your plan, you may be eligible for reimbursement of your unused trip cost that was paid before leaving and nonrefundable.

Does my health insurance fully cover me and my family in emergency situations in Florida or California?

The healthcare industry is ever-changing. Our health insurance plans change based on our employment status and you may not even know what your out-of-network coverage looks like. Our first suggestion is to call your health insurance company and address whether you are covered, and the extent of that coverage, in Florida or California (the home of Disney World and Disneyland, respectfully). Once you are clear on your health insurance coverage, you can determine how useful travel medical coverage in a comprehensive travel insurance plan will be for you and your family.

With most comprehensive plans, you’ll need to place any medical claim with your health insurance first. Then you can place a claim with the travel insurance company for medical bills your health insurance company would not cover.

Might I take a flight with one or more layovers on my way to or on my way back from my trip?

With any air travel, you are taking the risk of technology malfunctions or weather patterns will delay your trip. Adding more than one flight into the mix increases those odds and could possibly land you and your family stuck somewhere in the fly over states without any plans for room and board that night.

With the right travel insurance plan, you won’t have to stress about these travel mishaps that can be out of your control. With comprehensive travel insurance, you’ll have someone to call and help you arrange a hotel room for your family, so you aren’t using a jacket as a blanket in Terminal 5. Keep in mind that the travel delay coverage on your plan, unless otherwise stated, is per person. Keep all your receipts for food, lodging, and travel to and from the airport so you can be reimbursed for your covered unexpected expenses.