Do You Need Trip Insurance for a Disney Vacation

Disney vacations are not cheap, there are a lot of things to consider; airfare, accommodations, food, souvenirs…the list can go on and on. Some people will never consider buying trip insurance, lets face it, it’s an added expense that no one wants to use. The decision to purchase it is a personal one and it must be analyzed and considered depending on you and your families need.

This article will not tell you if you need or don’t need trip insurance, it will simply list the benefits of having it.


Disney offers trip insurance when you are on their site through a 3rd party company. Disney’s trip insurance is currently $77.50 per adult (18 years and older) if you have kids in your party they are covered as long as an adult traveling with them has insurance. One thing to point out with Disney’s trip insurance, it only covers the airfare and the Disney portion of your trip, if you are headed to another park or hotel it will not cover that part. Using another company will be cheaper and all inclusive of your trip, no matter where you visit. So keep that in mind if you are considering purchasing trip insurance.

Lost Bags

It has happened to almost everyone that flies to Disney, your bag is lost or delayed. With trip insurance that includes delayed bags you will be reimbursed for having to buy essentials while your bag is returned to you.


We are in the cusp of hurricane season. The season runs from June through November and although Disney does an excellent job when there is a severe weather situation you might want to cancel or re book last minute.

Family Illness

No one wants to think about getting sick or having a family member suddenly become sick during your vacation, but unfortunately it happens. You might need to leave early and with travel medical coverage you will be refunded the remainder of your trip.

Flight Cancellations

You had a great vacation in the Most Magical Place on Earth and are now at Orlando International Airport and your flight is cancelled. Trip interruption policy will reimburse any flight changes you need to make and also a hotel room while you wait for your next flight.

Here are the policies that Disney World has in place for trip cancellations and are things you might consider when you face the choice of buying trip insurance.

Walt Disney World Room Only Cancellation Policy

You can change or cancel your reservation without penalty up to 5 days before your check in day. If you cancel within 5 days prior to check in you will be charged the first night of your stay. This also applies to no-shows.

Walt Disney World Package Reservations Cancellation Policy

You can change or cancel  your reservation without penalty up until 30 days in advance. Cancellations made 29 days to 2 days prior to arrival have a cancellation fee of $200 per package, but if reservations are cancelled 1 day prior to arrival or later, the full package price is non-refundable. No-shows will not receive any refund.

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