Travel Insurance About This Page:

[jude411]

What is travel insurance? What does it cover and is it really worth it? Does the confirmation numbers I received the confimation numbers from Disney? So if I call them with that confirmation number they will have my reservation? I am new at this TA stuff. I have never planned a trip this involved before. The farthest I have ever gone on vacation is Hawaii and my parents planned that when I was in High School. Which I had nothing to do with the planning, my dad did most of it.

[Tink1]

Hi Judith,

There are many different types of Travel Insurance and each one varies in its coverage. I would have to see the terms of the specific policy to comment in exact.

Basically, Travel Insurance is to protect your investment in your vacation. A room only reservation through CRO can be cancelled up to 5 days prior and balance paid at check in, Insurance really isn't needed.

A Travel Company Package must be paid 45 days prior to arrival. Should you need to cancel after final payment, you would not lose any money. It also then covers things like trip interruption, and lost baggage.

If you have more specific questions, I will try to answer.

Nanc

[Tink1]

Oops, missed the other question in your post.

The number supplied by an agency is normally the reservation number given by the Supplier (in this case Disney). If you booked a room only it is a 12 digit number. If you booked a package it is 8 digits. There are some agencies that use an internal booking number, but this is not as common.

If you made your reservation through a Travel Agent, Disney usually does not like to divulge the information to anyone BUT the agency. We have actually had a case where an woman tried to cancel her ex-husbands trip. She could not alter the reservation due to the fact that he had booked it through us and was protected. Now with the Privacy Laws as well, Disney prefers that all questions/changes be directed to your agent who will take care of it for you.


Nanc

[angelalar]

I would like to add a couple of things you didn't ask, but you should be aware of....

If you get Travel Insurance (TI) through WDW travel and book your airfare spereately, make sure you are aware of the circumstances that is covered concerning your flights. a good rule of thumb is: Read over the policy carefully and know before you gowhat is covered. That way in the unfortunate event you need coverage, you know where to find it.

Also, when you make a reservation using a TA-you are entrusting that person to make arrangements on your behalf. Which they should happily do. So when you have changes to make or have questions, your TA should be the point of contact. This can really help you. If you have a good TA, they will be able to take care of everything for you.

Believe me, I completely understand the whole, not sure of what to do next and having someone else do the planning anxiety. BUT also know this, with this being an involved trip for you, a TA will help you out loads. They have experience doing this and should know Disney well. as you continue to plan, question s will come up. If you find your TA can't answer them or you want zillions of opinions ask here. You can never go wrong!

Good Luck!

[Iris]

I have never used travel insurance but am thinking about it this time. My son just enlisted in the National Guard. We ar suppose to be doing a Disney Trip in June. The recruiter person told him up front that he would probably be deployed over seas. If I was to buy insurance would it cover him not being able to go because of deployment? Or should I just book him on a room only? We won't need two rooms if he doesn't go. I know this does sound exactly right however, I don't want to put everyones lives on hold for this. We have to be able to continue on even when he is gone. Any Words of advice?

[Tink1]

Hi Iris,

We have run into this previously, and have found Disney to be VERY accommodating regarding the fine men that are deployed. I would talk to your agent, and have him/her contact Disney in advance to see what charges would apply should he be deployed. If you booked direct, just ask them. In the past they have waived all fees for us, but there was only one room involved.

May Your son be blessed and safe. Tell him thank you from us


Nanc

[Dave Marx]

Generally, travel insurance would not cover deployment, but if you shop around, you might find a policy that does cover military deployment. You're more likely to find that it will be Disney that forgives the deposit, rather than the insurance company - insurance companies aren't very likely to do things for the sake of good PR. Generally, travel insurance is more likely to cover cancellations due to items like an illness among those who are traveling, death in the immediate family, flight cancellations or delays, bad weather, etc. The more circumstances the policy covers, naturally, the more it will cost. Also, note that most policies expect you to buy the policy within several weeks of booking the vacation, although for a higher price, anything's possible.

[dmpyron]

[ QUOTE ]
Also, note that most policies expect you to buy the policy within several weeks of booking the vacation, although for a higher price, anything's possible.

[/ QUOTE ]
Most travel insurance provide what is called a pre-existing conditions waiver if bought within a certain number of days (usually 7) of booking. That way, if your mother-in-law, who has a bad heart already, should find herself in the hospital, you're covered.

Many policies provide medical coverage, as well. Not real useful in the US, but if you travel outside, you may find your insurance doesn't cover you.