What is Covered on Disney Cruise Line Travel Protection?

what is covered on disney cruise line travel protection

As part of your Disney Cruise Line vacation planning process, purchasing travel protection can help make sure your journey goes as smoothly as possible. There are various travel insurance plans available and choosing which is the most appropriate will depend on your individual needs and expectations. No matter what plan you select, it is crucial that you get a solid idea of your total expected trip costs so your policy covers every expense associated with your holiday.

Starting February 21, 2021, guests who sail after this date will see an increase in Medical and Trip Cancellation/Interruption coverage as part of their Vacation Protection Plan from $10,000 to $20,000. Furthermore, premiums for this plan will go from 8% of their voyage fare up to a maximum of $1,600 per guest.

Most comprehensive travel insurance plans provide trip cancellation and interruption coverage, delay coverage, lost luggage protection and emergency medical evacuations. Disney cruise line travel protection stands out by offering unique features such as Cancel for Any Reason coverage and pre-existing condition waiver that are only available through purchasing it directly through Disney Cruise Line.

The Cruise Vacation Insurance Plan is designed to give you peace of mind during every stage of your Adventures by Disney vacation, from booking your Adventures by Disney Vacation through to returning home. Underwritten by Arch Insurance Company and administered by CareFree Travel Assistance, this plan may be added at any point until its due date – all you need do is contact CareFree Travel Assistance with your Adventures by Disney reservation number and add it as part of the payment due date.

As part of the Cruise Vacation Insurance Plan, if you cancel your Adventures by Disney trip for reasons covered under policy such as an act of God, military duty or being summoned for jury duty; 75% future cruise credit will also be offered as compensation. Furthermore, other expenses related to traveling such as hotels, food & beverage costs, transportation may also be covered as well.

One reason travelers purchase cruise trip insurance is to protect themselves against unexpected events that could prompt them to postpone or cancel their cruise trip at the last minute, due to inconvenient or expensive reschedules. Cruise trip insurance provides coverage of many or even all your prepaid trip costs in such instances.

Cruise vacation insurance policies differ from other comprehensive travel policies in that they typically don’t include trip delay and missed connection coverage, making separate plans or the deluxe version of their cruise line’s Vacation Protection Plan necessary to receive these additional benefits. For those unable to afford full premium payment for such plans, adding riders that cover additional expenses via third party providers such as InsureMyTrip may provide solutions.