Travel Insurance - Do you or don't you? - PassPorter - A Community of Walt Disney World, Disneyland, Disney Cruise Line, and General Travel Forums
PassPorter.com
Award-winning travel guidebooks

   guidebooks   |   news   |   podcasts   |   boards   |   blog   |   worksheets   |   photos   |   articles   |   updates   |   register   |   follow us on


Forums Closed
As of January 1, 2019, we have closed our forums. This is a decision we did not come to lightly, but it is necessary. The software our forums run on is just too out-of-date and it poses a significant security risk. The server software itself must be updated, and it cannot be without removing the forums.

So it is with a heavy heart that we say goodbye to our long-running forums. They came online in 2000 and brought together so many wonderful Disney fans. We had friendships form, careers launch, couples marry, children born ... all because of this amazing community.

Thank you to each of you who were a part of this community. You made it possible.

And a very special thank you to our Guides (moderators), past and present, who kept our forums a happy place to be. You are the glue that held everything together, and we are forever grateful to you. Thank you aliceinwdw, Caldercup, MrsM, WillCAD, Fortissimo, GingerJ, HiddenMickey, CRCrazy, Eeyoresmom, disneyknut, disneydani, Cam22, chezp, WDWfan, Luvsun, KMB733, rescuesk, OhToodles!, Colexis Mom, lfredsbo, HiddenMickey, DrDolphin, DopeyGirl, duck addict, Disneybine, PixieMichele, Sandra Bostwick, Eeyore Tattoo, DyanKJ130, Suzy Q'Disney, LilMarcieMouse, AllisonG, Belle*, Chrissi, Brant, DawnDenise, Crystalloubear, Disneymom9092, FanOfMickey, Goofy4Goofy, GoofyMom, Home4us123, iamgrumpy, ilovedisney247, Jennifer2003, Jenny Pooh, KrisLuvsDisney, Ladyt, Laughaholic88, LauraBelle Hime, Lilianna, LizardCop, Loobyoxlip, lukeandbrooksmom, marisag, michnash, MickeyMAC, OffKilter_Lynn, PamelaK, Poor_Eeyore, ripkensnana, RobDVC, SHEANA1226, Shell of the South, snoozin, Statelady01, Tara O'Hara, tigger22, Tink and Co., Tinkerbelz, WDWJAMBA, wdwlovers, Wendyismyname, whoSEZ, WildforWD, and WvuGrrrl. You made the magic.

We want to personally thank Sara Varney, who coordinated our community for many years (among so many other things she did for us), and Cheryl Pendry, our Message Board Manager who helped train our Guides, and Ginger Jabour, who helped us with the PassPorter-specific forums and Live! Guides. Thank you for your time, energy, and enthusiasm​. You made it all happen.

There are other changes as well.

Why? Well, the world has changed. And change with it, we must. The lyrics to "We Go On" for IllumiNations say it best:

We go on to the joy and through the tears
We go on to discover new frontiers
Moving on with the current of the years.
We go on
Moving forward now as one
Moving on with a spirit born to run
Ever on with each rising sun.
To a new day, we go on.

It's time to move on and move forward.

PassPorter is a small business, and for many years it supported our family. But the world changed, print books took a backseat to the Internet, and for a long time now it has been unable to make ends meet. We've had to find new ways to support our family, which means new careers and less and less time available to devote to our first baby, PassPorter.

But eventually, we must move on and move forward. It is the right thing to do.

So we are retiring this newsletter, as we simply cannot keep up with it. Many thanks to Mouse Fan Travel who supported it all these years, to All Ears and MousePlanet who helped us with news, to our many article contributors, and -- most importantly -- to Sara Varney who edited our newsletter so wonderfully for years and years.

And we are no longer charging for the Live Guides. If you have a subscription, it's yours to keep for the lifetime of the Live Guides at no additional cost. The Live Guides will stay online, barring server issues and technical problems, for all of 2019.

That said, PassPorter is not going away. Most of the resources will remain online for as long as we can support them, and after that we will find ways to make whatever we can available. PassPorter means a great deal to us, and to many of you, and we will do our best to keep it alive in whatever way we can. Our server costs are high, and they'll need to come out of our pockets, so in the future you can expect some changes so we can bring those costs down.

Thank you, thank you, thank you for your amazing support over the years. Without you, there's no way us little guys could have made something like this happen and given the "big guys" a run for their money. PassPorter was consistently the #3 guidebook after the Unofficial and Official guides, which was really unheard of for such a small company to do. We ROCKED it thanks to you and your support and love!

If you miss us, you can still find some of us online. Sara started a new blog at DisneyParkPrincess.com -- I strongly urge you to visit and get on her mailing list. She IS the Disney park princess and knows Disney backward and forward. And I am blogging as well at JenniferMaker.com, which is a little craft blog I started a couple of years ago to make ends meet. You can see and hear me in my craft show at https://www.youtube.com/c/jennifermaker . Many PassPorter readers and fans are on Facebook, in groups they formed like the PassPorter Trip Reports and PassPorter Crafting Challenge (if you join, just let them know you read about it in the newsletter). And some of our most devoted community members started a forum of their own at Pixie Dust Lane and all are invited over.

So we encourage you to stay in touch with us and your fellow community members wherever works best for you!

Best wishes for a wonderful and magical new year!

Go Back   PassPorter - A Community of Walt Disney World, Disneyland, Disney Cruise Line, and General Travel Forums > PassPorter's Disney Cruise Line > Planning Your Disney Cruise Voyage
Register


Welcome! We're happy you've found the PassPorter Community -- the friendliest place to plan your vacation to Walt Disney World, Disney Cruise Line, Disneyland, and the world in general! You are now viewing the PassPorter Message Board Community as a guest, which gives you limited access. As our guest, feel free to browse our messages by selecting the forum you want to visit from the list below.

To post messages and ask questions, join our FREE community today and you'll get access to tools and resources not available to guests, such as our vacation countown timers, "living" avatars, private messaging system, database searches, downloads, and a special PassPorter discount code. Registration is fast, simple, and completely free. Just click the Join Our Community link.

If you think you've already joined, log in below now. If you don't remember your member name or password, please visit our Member Name and Password Recovery page. You are also welcome to contact us.

Reply
 
Thread Tools Display Modes
Old 09-26-2010, 11:23 PM   #1
ilovedisney0_0
Community Rank: Explorer
 
ilovedisney0_0's Avatar
 
Join Date: May 2003
Location: a mere few minutes from the Mouse! <3
Concierge Level: 2
Posts: 9,777

Post Thanks / Like
Travel Insurance - Do you or don't you?

I would love some honest opinions on the whole travel insurance subject. I have been doing a lot of research on the different options available, and I am wondering what your opinion is on the subject. Do you ever cruise without it?

We are planning a 7 day cruise to the Mexican Riviera in Feb/March 2011. So, no hurricane concerns. We are driving to the San Pedro terminal, which means no missed flights, and HOPEFULLY no lost luggage! I know nobody can predict illness, so of course that is always a concern.

This whole topic is a little mind-boggling for me. I have been checking rates on InsureMyTrip.com, but there are so many different plans and such a wide variety of options, that I almost just want to skip it.

So, when you cruise, what do you do?
__________________

Saturday, October 9, 2014 - Kaitlyn and I before the Happy Haunted 5K at ESPN Wide World of Sports

Amy
ilovedisney0_0 is offline  
 
Reply With Quote
Old 09-27-2010, 08:13 AM   #2
nurse_mom
Community Rank: Globetrotter
 
nurse_mom's Avatar
 
Join Date: May 2008
Location: Ohio
Posts: 3,093

Post Thanks / Like
We have and have not, obtained travel insurance in the past. The only time we have bought it was during hurricane season. Granted it is risky with a family of 5. Most of everyone will say yes it is worth your money. Do what you feel comfortable with.
__________________
My Countdown Counting down to: June of 2016 Can we wait that long!!!
My Previous TripsWDW 1985, WDW 1989, WDW 1995, WDW 2007, Disney Wonder 2008, SSR 2009, AKL 2010, DCL 5 night cruise May 30th 2010. WDW Jan 2011. 6 days at Treehouses and 7 day on the Fantasy. Old Key West Nov 2012. Treehouses Oct 2013. Beach Club villas and Bay Lake Towers May/June 2014. Sept 2014 Offsite 4 days and OKW for 5. Wonder Feb 2015, VGF for a short stay/
nurse_mom is offline  
 
Reply With Quote
Old 09-27-2010, 08:18 AM   #3
mzozzietj
 
mzozzietj's Avatar
 
Join Date: Aug 2009
Location: Southeastern MA
Concierge Level: 7
Posts: 2,774

Post Thanks / Like
I have never cruised but I think if/when we do, we would get it. So many people seem to get ill on cruise ships that I'd be scared of something happening while at sea or in port and needing to get home etc.

Since we are DVC and usually fly Southwest, I don't typically purchase travel insurance for our regular trips to the world. With DD now though, I'm considering... those germs in daycare seem to be powerful, lol
__________________

Stacey 40, DH (Bill) 46, DD (Mary) 4
My Countdown Counting down to: Spring Break... 2016
On our way to our favorite place!
My PassPorter Bookshelf
My Previous TripsWDW TRIPS: April 2015 (AKV/POLY), February 2015 (OKW/CBR), May 2014 (AKV), October 2013 (AKV), May 2013 (OKW), March 2013 (AKV), Dec 2012(AKL/SSR), Oct 2011 (SSR), Feb 2011 (BLT), Oct 2010 (AKV), Dec 2009 (AKV), Sept 2008 (OKW), June 2008 (AKV), March 2008 (AKL), Feb 2008 (SSR), Dec 2007 (SSR), Dec 2006 (CBR/PC), Sept 2005 (PC), Oct 2004 (AKL), Aug 2003 (Offsite), Oct 1999 (off-site), Spring 1993 (off-site), Spring 1987 (I drive), Summer 1985 (off-site), Spring 1978 (Disney Golf Resort) DL TRIPS: Dec 2006, Nov 2004, June 2002, May 2000, August 1998, Nov 1996 (My first trip to DL) - all DL stays offsite so far...
mzozzietj is offline  
 
Reply With Quote
Old 09-27-2010, 08:41 AM   #4
MickeyWatch
Community Rank: Jetsetter
 
MickeyWatch's Avatar
 
Join Date: May 2007
Location: Northern Illinois
Concierge Level: 5
Posts: 2,780

Post Thanks / Like
The only time I have purchased travel insurance was for our two international cruises with DCL: Mediterranean and Baltic. We had quite a bit of money invested in flights, private tours, deposits, etc. that I didn't want to lose if we had to cancel the cruise.

For the Mexican Riviera cruise I would probably skip the insurance.
__________________
[SIGPIC]
Margaret and I got to see the Cubs play in October. They won!
My Countdown Counting down to: Solo visit to Disneyworld
My PassPorter Bookshelf
My Previous TripsFirst trip: Disneyland Ju.y 1965 with my grandparents, 16th Birthday party at the Contemporary in 1973, many trips to WDW since then, most recent, Grand Floridian, November 2006, DCL Mediterranean Cruise July 2007, Margaret's 8th birthday trip to the Polynesian, June 2008, Grand Floridian Concierge November 2008, March and November2009, DCL Inaugural Baltic Cruise June 2010. Polynesian Resort November 2010, All Star Sports March 2011, Polynesian March 2011, Disney Dream Concierge, November 2011, Contemporary CL November 2011, Disney Fantasy Concierge, October 2012, Adventures By Disney Backstage Magic June 2012, Disney Magic Mediterranean Cruise June 2013, Polynesian October 2013, Tanzania Safari December2013 celebrating my Mom's 80th birthday, Yacht Club Club Level, June 2014
MickeyWatch is offline  
 
Reply With Quote
Old 09-27-2010, 09:19 AM   #5
Minniemouse27
 
Minniemouse27's Avatar
 
Join Date: Apr 2007
Location: Suburban Philadelphia
Concierge Level: 9
Posts: 1,695

Post Thanks / Like
For our normal WDW vacations (fly SW down to Orlando, stay 5-10 days, return home) we don't but we have purchased trip insurance for our land/sea trip next year (2 wks - drive down, 2 nights at PC, 5 nights on the Dream, 5 nights at WL, drive home). The trip is too pricey for us to not get insurance.

Oh, and it isn't just for what can happen ON the trip but if something could happen to stop us from going on the trip!
__________________
Christine
My PassPorter Bookshelf
My Previous TripsWDW (Offsite) - Oct 1979/ Marched w/ Drum Corps in MK Parade (Offsite)- July 1987/ WDW for DCI Finals (Offsite) - Aug 1996/ WDW for DCI Finals (Offsite) - Aug 1997/ WDW & Engaged! (Offsite) - Nov 1999/ WDW & Barely Pregnant (Offsite) - Jan 2001/ WDW & First Trip for DD (Offsite) - Dec 2002/ WDW (Offsite) - Oct 2003/ WDW & First Trip for DS (POR) - Dec 2007/ WDW & Dd's 7th Birthday Trip, Girls ONLY! (WL) - July 2008/ MouseFest 2008 (POR)/"Last Minute" Trip (POR) - June 2010/ Dream/WL Anniversary Trip (with kids) - August 2011/One Night No Parks (Beach Club) July 2016/1st Disneyland Trip (Offsite) June 2017!
Minniemouse27 is offline  
 
Reply With Quote
Old 09-27-2010, 10:08 AM   #6
cubfancolleen
Community Rank: Explorer
 
cubfancolleen's Avatar
 
Join Date: Oct 2005
Location: Reston, Virginia
Concierge Level: 8
Posts: 11,858

Post Thanks / Like
Quote:
Originally Posted by MickeyWatch View Post
The only time I have purchased travel insurance was for our two international cruises with DCL: Mediterranean and Baltic. We had quite a bit of money invested in flights, private tours, deposits, etc. that I didn't want to lose if we had to cancel the cruise.

For the Mexican Riviera cruise I would probably skip the insurance.

Same here. We got it for the Baltic cruise, as first just being a 12 night cruise it was much more money than the "standard" DCL cruise. But then with private guides, flights, etc., we took out insurance in the amount of something like $15,000. It was about $200, and doing the math there - spending $200 and not needing it, versus losing $15,000, it was an easy decision.

The only time we've taken out insurance for a cruise in the Caribbean, was when my dad was still alive. He had stage IV cancer, and we never knew how long he had, and didn't want to either be on the cruise when something happened, or if something happened just prior to us leaving.
__________________
<img src=http://i1109.photobucket.com/albums/h427/cmclain823/Vancouver%20and%20Alaska%202015/45127cbc-0ef5-4915-8c6d-5809f3bb6afe.jpg border=0 alt= />[
Check out my NEW Trip Report: http://www.passporterboards.com/foru...d.php?t=300278
My Countdown Counting down to: Melekalikimaka - our Hawaiian Christmas
Aloha....back to reality, and a new countdown
My PassPorter Bookshelf
My Previous TripsDisneyLand too many times to count; DisneyWorld: ('82; '94; '00; '04; '05; '08 - twice!; '10;'11 - twice; '13; '14, '15, '17); DCL (all 4 ships): ('00, '05, '06, '10, '11, '13, '15, '17); DVC Hilton Head Resort :D ('06, '07, '08, '09, '10, '11, '12, '13 - twice, '15, '16, '17, ‘18)
cubfancolleen is offline  
 
Reply With Quote
Old 09-27-2010, 10:42 AM   #7
ilovedisney0_0
Community Rank: Explorer
 
ilovedisney0_0's Avatar
 
Join Date: May 2003
Location: a mere few minutes from the Mouse! <3
Concierge Level: 2
Posts: 9,777

Post Thanks / Like
Thanks guys. I never buy insurance for my WDW or DLR trips, so this is a whole new deal for me.

Quote:
Originally Posted by cubfancolleen View Post

But then with private guides, flights, etc., we took out insurance in the amount of something like $15,000. It was about $200, and doing the math there - spending $200 and not needing it, versus losing $15,000, it was an easy decision.
I am being a cheapo, but I am thinking $200 will pay for a shore excursion! Still, I am really considering it. So much to think about with this new experience we are about to embark upon! Thank you for all of your opinions, I am really weighing them in my decision.

__________________

Saturday, October 9, 2014 - Kaitlyn and I before the Happy Haunted 5K at ESPN Wide World of Sports

Amy
ilovedisney0_0 is offline  
 
Reply With Quote
Old 09-27-2010, 11:05 AM   #8
Minniemouse27
 
Minniemouse27's Avatar
 
Join Date: Apr 2007
Location: Suburban Philadelphia
Concierge Level: 9
Posts: 1,695

Post Thanks / Like
I should add that the two times we've purchased travel insurance it was ALWAYS with a 3rd party...never w/ the cruise line's own insurance! The 3rd party insurance covers more and is less expensive!
__________________
Christine
My PassPorter Bookshelf
My Previous TripsWDW (Offsite) - Oct 1979/ Marched w/ Drum Corps in MK Parade (Offsite)- July 1987/ WDW for DCI Finals (Offsite) - Aug 1996/ WDW for DCI Finals (Offsite) - Aug 1997/ WDW & Engaged! (Offsite) - Nov 1999/ WDW & Barely Pregnant (Offsite) - Jan 2001/ WDW & First Trip for DD (Offsite) - Dec 2002/ WDW (Offsite) - Oct 2003/ WDW & First Trip for DS (POR) - Dec 2007/ WDW & Dd's 7th Birthday Trip, Girls ONLY! (WL) - July 2008/ MouseFest 2008 (POR)/"Last Minute" Trip (POR) - June 2010/ Dream/WL Anniversary Trip (with kids) - August 2011/One Night No Parks (Beach Club) July 2016/1st Disneyland Trip (Offsite) June 2017!
Minniemouse27 is offline  
 
Reply With Quote
Old 09-27-2010, 12:03 PM   #9
cubfancolleen
Community Rank: Explorer
 
cubfancolleen's Avatar
 
Join Date: Oct 2005
Location: Reston, Virginia
Concierge Level: 8
Posts: 11,858

Post Thanks / Like
Quote:
Originally Posted by Minniemouse27 View Post
I should add that the two times we've purchased travel insurance it was ALWAYS with a 3rd party...never w/ the cruise line's own insurance! The 3rd party insurance covers more and is less expensive!
Yes - I should have said that as well. We used a travel insurance company - we did not buy it through Disney/DCL. That was a MUCH better deal!
__________________
<img src=http://i1109.photobucket.com/albums/h427/cmclain823/Vancouver%20and%20Alaska%202015/45127cbc-0ef5-4915-8c6d-5809f3bb6afe.jpg border=0 alt= />[
Check out my NEW Trip Report: http://www.passporterboards.com/foru...d.php?t=300278
My Countdown Counting down to: Melekalikimaka - our Hawaiian Christmas
Aloha....back to reality, and a new countdown
My PassPorter Bookshelf
My Previous TripsDisneyLand too many times to count; DisneyWorld: ('82; '94; '00; '04; '05; '08 - twice!; '10;'11 - twice; '13; '14, '15, '17); DCL (all 4 ships): ('00, '05, '06, '10, '11, '13, '15, '17); DVC Hilton Head Resort :D ('06, '07, '08, '09, '10, '11, '12, '13 - twice, '15, '16, '17, ‘18)
cubfancolleen is offline  
 
Reply With Quote
Old 09-27-2010, 09:24 AM   #10
Bee
Community Rank: Jetsetter
 
Bee's Avatar
 
Join Date: May 2008
Location: Philadelphia
Concierge Level: 3
Posts: 2,060

Post Thanks / Like
I haven't cruised yet but I would get it just in case I mean something can happen and not to be out all that $. just to be on the safe side I would purchase it. I do when i go to the WDW.
__________________
My Countdown Counting down to: Going to WDW - Solo Trip
Here at WDW
My PassPorter Bookshelf
My Previous TripsJust started counting…..Many florida trips with the family before then.. WDW Jan 2008 - Condo with neices and nephews WDW Nov 2008 ASMusic (birthday solo celebration) DL Nov 2009 (birthday celebration) WDW Aug 2009 SSR (Marissa's birthday celebration) WDW June 2010 Fort Wilderness Cabins (trip with mom and dad) WDW Nov 2010 Carribean Beach (birthday celebration - me & dad) WDW August 2011 Animal Kingdom Lodge (Friend Reunion me, Marissa, Betsy, Juliana) WDW August 2012 Pop Century (solo trip) WDW November 2012 Fort Wilderness Cabins (Birthday trip, me, mom and dad) WDW November 2013 Animal Kingdom Lodge with husband. (he hated it :() No trips in 2014 :sad: WDW May 2015 Fort Wilderness with Mom and Dad and brother WDW September 2015 All Star Movies - Solo
Bee is offline  
 
Reply With Quote
Old 09-27-2010, 11:49 AM   #11
iamgrumpy
Community Rank: Legend
 
iamgrumpy's Avatar
 
Join Date: Jan 2004
Location: Dreaming of the Future
Concierge Level: 1
Posts: 24,867

Post Thanks / Like
We are similar in that we live close to where we cruise from so we drive to the port, but we always buy insurance because after the pay in full date any money we'd lose if we had to cancel after that is far to great for us to just lose it and walk away. Someone could get sick be denied boarding, be quarantined on the ship, with Trip Insurance you have the opportunity to recoup some of your costs or all of them depending on the situation itself. God Forbid someone gets hurt on board and has to be medivac off the ship without insurance will cost you out of pocket as most private insurances won't cover that and from what I have heard its over $10K to be airlifted off a ship. Trip Insurance would help with that. Most insurance and you have to read the fine print to just make sure but another thing they can cover is if you were to lose your job, and need to cancel because of that you can recoup the cost.

You get in an accident on the way to the port, you can't get there, you miss the cruise, it could cover that as well.

I know its a lot of information to sort out and can be time consuming but if you go to the insuremytrip.com website you can compare policies side by side and make the best decision for you possible. We were able to get a policy for both of us for a 4 night cruise that covers just what we need it to for under $100. To me shelling out $100 or even $150 is worth the peace of mind of knowing that if god forbid something happened and I missed the cruise, got sick , hurt etc I was covered.

On our Cruise in December we watched a family get denied boarding because one of them was sick and I hope they had insurance as Disney isn't required to compensate if they have to deny boarding because of risk of illness to the rest of the guests.
__________________
Faith, Trust, and Pixie Dust! Studying Hard to Make a Difference!
My Countdown Counting down to: Start of Fall Semester
Back to School time!
My Previous TripsMany Trips to WDW since 1987, 4 Disney Cruises, and many trips to other destinations non-Disney related.
iamgrumpy is offline  
 
Reply With Quote
Old 09-27-2010, 11:57 AM   #12
ilovedisney0_0
Community Rank: Explorer
 
ilovedisney0_0's Avatar
 
Join Date: May 2003
Location: a mere few minutes from the Mouse! <3
Concierge Level: 2
Posts: 9,777

Post Thanks / Like
Yikes! They got denied boarding? Oh my gosh I don't even know what I would do! Ok, well, that is going to make me consider this whole trip insurance thing a little more seriously...
__________________

Saturday, October 9, 2014 - Kaitlyn and I before the Happy Haunted 5K at ESPN Wide World of Sports

Amy
ilovedisney0_0 is offline  
 
Reply With Quote
Reply



Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump














Please login or register to hide these ads -- it's free and easy!

All times are GMT -5. The time now is 02:09 AM.

-->

Powered by vBulletin® Version 3.8.9
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
Feedback Buttons provided by Advanced Post Thanks / Like v3.4.0 Patch Level 1 (Pro) - vBulletin Mods & Addons Copyright © 2024 DragonByte Technologies Ltd.
(c) 1998-2017 PassPorter Travel Press/MediaMarx, Inc.
Celebrating 19 Years of Making Dreams Come True
Ad Management plugin by RedTyger