How Much is Disney Travel Insurance?

Whether you want to finally see Cinderella castle, book a Disney Cruise, or travel the world with Adventures by Disney, a Disney vacation is sure to be a memorable trip. However, it could also be one of the most costly trips of your lifetime; for many, travel insurance is crucial. After all, there are many uncertainties in travel these days. 

By the Numbers: The Cost of Disney Travel Insurance

You can purchase travel insurance from any reputable company, or you may already have it available through certain credit cards. Or, for a more streamlined experience, you may purchase a “Travel Protection Plan” through Disney as part of your vacation package.

Disney travel insurance plans are administered by Aon Affinity and underwritten by Arch Insurance Company. They’re typically available to travelers who have a United States home address, though other restrictions can also apply.

Walt Disney World Travel Insurance Cost

Disney’s travel insurance costs approximately $95 per adult for theme park & hotel vacation packages at Walt Disney World Resort in Florida. Children 17 and under are automatically covered at no additional cost.

This fixed rate cost per person is perfect for ultra-expensive vacations but may not be as much of a value for budget vacations.

Let’s look at the ultimate “break the bank” Disney vacation — a six-night stay during Christmas week for a family of five (3 adults and two kids ages 10 and 5) in a Theme Park View room at the Grand Floridian. With all the add-ons (length-0f stay park hopper tickets, additional recreation and activities, and a Disney Dining Plan), you’re easily in the $18,000 range. Protecting that investment would only cost $285 ($95 for each adult); that’s roughly 1.58% of your overall travel cost.

But let’s compare that to a value trip where the grown-ups sneak away to Disney for a couple of days while the kids are back in school: three adults in a standard room at All Star Sports for a couple of October weeknights, with basic park tickets and no dining plan. The room and tickets combined are around $1,985 — making the $285 travel insurance fee equal to about 14% of the cost of the trip. 

Travel insurance that works out to 1.2% of your overall vacation cost is a good deal, but 14% is far from that. Most travel insurance costs between 5% and 10% of the total vacation cost, per the United States Travel Insurance Association, so in the case of ultra budget stays your might prefer to either shop around or just “risk it.” (Of course, it’s worth noting that travel insurance doesn’t just cover the cost of the vacation package itself, as we outline later in this article.)

Disney Cruise Travel Insurance Cost

A Disney Cruise has a different price structure for its travel insurance.  The price for a Disney Cruise travel protection plan is based on a percentage of the voyage fare (before taxes and fees) rather than a fixed dollar amount; the standard rate is 8% of the pre-fee cruise fare, but there is also a minimum and maximum cost limit in place to ensure that the premium cost is never too low or high.

As an example, we priced out a 7-night Alaskan cruise for two adults in an Oceanview stateroom. The cruise fare was $4,760 (or $5,286.06 once port fees and taxes were added in). Travel insurance was an additional $380.80 (8% of the cruise fare, but 7.2% of the overall cost in this case).

If we instead chose the most-expensive possible stateroom (the Concierge Royal Suite), the fare was an eye-popping $46,816 before taxes and fees (or $47,342.06 once those are added), but the insurance is “only” $3,200 — that’s 6.8% of the fare instead of the usual 8%, a result of the maximum cost provision.

Adventures by Disney Travel Insurance Cost

Image © Disney

Going on a Disney-guided tour of an international destination such as China, Japan, France, England, or Cambodia)? You’ll almost certainly want to have some sort of travel protection due to the significant cost of the trip and the international logistics involved.

Insurance pricing for Adventures by Disney trips varies widely, but usually falls within 8% to 14% of the trip fare. Part of the reason for the wide variation is that there are two different types of plans available for purchase — a “standard” plan and a “plus” plan.

What Does Disney Travel Insurance Cover?

The exact benefits and coverage availability of Disney’s Travel Insurance depend on your location and trip details, but usually include the following:

Disney World travel insurance coverage

• Trip Cancellation/Trip Interruption (reimburses up to total trip cost of the prepaid, unused, and non-refundable travel arrangements in the event of illness, injury, and non-medical reasons such as job loss or military service)
• Trip Delay (reimburses related expenses, up to $600 at $200 per day)
• Baggage and Personal Effects (up to $2,000 at a $500 per item limit)
• Baggage Delay (up to $500 for the purchase of necessary personal items if bags are delayed 12+ hours)
• Emergency Medical Expenses (up to $25,000)
• Emergency Evacuation/Repatriation (up to $100,000)
• Travel Accident benefit (up to $25,000)
• Rental Car Damage (up to $25,000)

Disney Cruise travel insurance coverage

• Trip Cancellation/Interruption (up to the total cost of trip elements booked through Disney – not to exceed $20,000 per person)
• Trip Delay (Up to $500)
• Baggage Loss (up to $3,000) and Baggage Delay (up to $500)
• Emergency Medical/Dental (up to $20,000)
• Emergency Medical Transportation (up to $30,000)
• An additional non-insurance benefit provided by Disney, allowing you to cancel for any reason and use 75% of the cancellation penalty fee as a “future cruise credit.”

Adventures by Disney travel insurance coverage

Varies depending on type of policy purchased, but generally includes:

• Trip Cancellation/Interruption (up to the total trip cost, with a per-person limit of $30,000-$50,000 depending on policy purchased)
• CancelFlex® benefit included on some policies (up to 75% of non-refundable payments and deposits)
• Trip Delay (up to $2,000 at $500 per day)
• Emergency Accident and Sickness (up to $50,000)
• Emergency Medical Evacuation or Repatriation of Remains (up to $100,000)
• Accidental Death & Dismemberment (up to $25,000)
• Baggage loss (up to $3,000) and Baggage delay (up to $500)

Final Thoughts

Given the uncertainty of vacations nowadays, even a quick two-day getaway requires insurance, which is where Disney’s Travel Insurance comes in handy. With this insurance plan, you can get reimbursement for trip cancellation, trip delay, luggage delay, and even rental car damage.