When we booked our first trip to Disney, the cast member we talked to asked us about trip insurance. We had never used trip insurance on any trip before. We originally didn’t plan on getting it but after listening to the explanation of benefits, we decided to try it and see what it was all about.First of all, what if it gets close to your trip date and someone gets sick or an accident happens? Disney’s trip insurance covers it if you have to cancel your vacation after the 30 day mark. This was a big draw to us since our first trip was traveling with a not quite two-year-old. If one of us came down sick or had an accident, we’d be able to get reimbursed for the cost of the trip.
It also covers things like lost luggage, lost items, flight cancellation or a delayed flight, injuries or sickness while on a trip, hurricanes, damage to your property while you are traveling and a host of many other things. Here is a link to the current (as of 09/10/2015) coverage of the Disney trip insurance plan.During that first trip, our iPad was damaged. We never figured out if it was in the hotel room or on the flight, but both were covered. We were able to claim this against our trip insurance and we had a check covering the loss in about a week or two. Since that moment, we’ve always chosen to add on the insurance.
Since that first trip we, thankfully, haven’t had to use the insurance but it’s always nice to know that it is there. When you are trying to decide whether or not to add that expense to your trip, sit down and weigh the pros and cons. For us, the pros outweigh the cons but that might be different for you.Have you used or do you plan to use the Disney vacation trip insurance? What are your thoughts?