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What Does Disney Cruise Insurance Cover?

Disney Cruise Line

Disney Cruises are expensive. On average, you can expect to pay around $180 per night, depending on your accommodation. But, of course, there are a few ways to save at least a few dollars from your trip.

You might end up spending several hundred or even thousands of dollars on your Disney cruise adventure, which is not bad. However, if you regularly travel, getting yourself insured is worth it. Enter the Disney Cruise insurance.

With Disney Cruise insurance, you can enjoy peace of mind throughout your cruise, knowing that your health and personal belongings are insured. It doesn’t just cover travel insurance benefits, but it also extends to emergency hotline services. Let’s find out what exactly it covers.


In a nutshell, Disney Cruise insurance provides coverage for the following:

  • Travel delays due to carrier-caused delays and unforeseen weather circumstances (up to $500 coverage).
  • Emergency medical transportation to a nearby medical facility due to injury or illness (up to $30,000 coverage).
  • Trip cancellation due to injury, sickness, or unexpected death (up to $10,000 coverage).
  • Baggage coverage for any loss or damage to your personal belongings (up to $3,000).

Disney Cruise insurance has pretty good coverage, but some still wonder whether they should avail of it.

Disney Cruise Insurance Cover

Disney Cruise insurance prevents you from worrying about any issue that might occur during your trip. Aptly named the Disney Cruise Vacations Protection Plan, this protection aims to provide coverage for any potential problems that might occur and unexpected ones.

The insurance’s coverage is extensive and has several aspects to it. Of course, things can be subject to change, but these are the general coverage you should expect:

Travel Delays and Interruptions

Travel Insurance Covers Loss Suitcase, Delays, Cancellations, Accident And Medical Expenses.

As the name implies, the insurance will cover potential delays and interruptions during your trip. The delay can be in the form of any situation that will cause you to cancel your trip unexpectedly. This can be a carrier-caused delay, such as a canceled flight, or a natural disaster like tornados and floods.

Meanwhile, an interruption can be due to a situation that forces you to cancel your trip. This could be due to an accident, injury, sickness, or death. It’s worth noting that this doesn’t apply to you alone. It also includes a family member who experiences a sudden grave illness or has sadly passed away.

The coverage will reimburse you for the unused part of the cruise and cover your expenses going home.

Coverage for travel delays is up to $500, provided that the reason for the delay is valid enough. On the other hand, coverage for travel interruptions can go up to $10,000.

Some of the most common reasons for either of the two include the following:

  • Illness or injury
  • Travel supplier bankruptcy
  • Labor strike
  • Assault or robbery
  • Job or money-related problem

On average, around 37% of people who availed of the insurance claimed travel delay protection, according to the claims data from TripInsurance.

Trip Cancellation

Cruise Trip Cancellation

Trip cancellation is the most common reason many vacationers opt to avail of Disney Cruise insurance. According to statistics, around 40% of people made an insurance claim due to trip cancellation alone.

The reason is simple. Things that can cause you to cancel your trip are pretty common. Canceled trips happen much more regularly than you might think. With Disney Cruise insurance, you can get yourself a buffer against common cancellation reasons such as:

  • Bad weather
  • Road accident
  • Airline delay
  • Unexpected pregnancy
  • Divorce
  • House damage due to fire or a natural disaster
  • Death or injury

Emergency Medical

Two Handsets Facing Each Other On Blue Background

According to data, medical emergencies only make up 13% of the total claims. Still, it’s worth knowing that you can avail of up to $10,000 for your medical treatment and hospitalization if you get sick or injured during the cruise.

Aside from that, you will also receive up to $30,000 in coverage, which will be used to cover your emergency medical transport. This means you will be transported to the nearest medical facility for treatment. Then, once you’ve recovered, you will be taken back to your home via a commercial flight. In some cases, it might even be on a private medical jet.

This will also apply to an unexpected death, and the insurance will take care of the deceased and transport the remains to the family.

Baggage Loss and Delay

Travel Insurance Covers Loss Suitcase, Flight Delays, Cancellations, Evacuations And Medical Expenses

Baggage loss coverage is intended to cover up to $3,000 if your bag or personal belongings are lost or damaged during the cruise. Meanwhile, baggage delay will provide a range of up to $500 for any necessary items you need to purchase if your bag gets delayed for more than 24 hours.

Surprisingly, despite baggage loss and delay being pretty common, they only make up 9% of the total insurance claims.

Is the Insurance Coverage Worth It?

Disney Cruise Line

Now, onto the million-dollar question: is it worth it to avail of Disney Cruise insurance? The answer is it depends. If we are to follow statistics, then there’s only a 17% chance that you’ll need it.

However, with so many things that can mess up your Disney cruise, getting Disney Cruise insurance might be worth it. Here are some instances that have a high likelihood of happening during your trip:

  • You missed the boat.
  • Your bag got lost or was damaged during the cruise.
  • You got caught in an accident on board.
  • You need to cancel your trip because of a sickness or injury.

As you can see, any of these situations can happen during your cruise. If you don’t have insurance, you’ll have to deal with any of these issues by yourself. However, there can also be instances where you don’t have to get Disney Cruise insurance. Here are a few good examples:

  • You have a lot of money to spare in case of emergencies.
  • You don’t mind losing your baggage or having it stolen.
  • You have domestic health insurance to provide medical emergency coverage abroad.
  • You can afford the cruise without having to budget yourself.

So, it is a matter of whether you want to or not. Still, if you’re undecided, then our recommendation would be to get one anyway. You don’t know what might happen and when it might happen. It’s best to protect yourself from any of them.

Cancel for Any Reason

Disney Cruise Line Port

This coverage does precisely what its name implies. With the Cancel for Any Reason insurance, you can enjoy maximum flexibility and reimbursement if your reason for canceling your trip doesn’t fall into any of the above.

With this insurance, you will be granted future credits for 75% of the cancellation fees you paid them. However, Disney provides this coverage as part of the Disney Cruise Vacations Protection Plan. Also, the credits will expire after one year if not used.


Disney Cruise insurance can come in handy when you least expect problems. As such, getting one would be a good idea, especially if you travel on a Disney Cruise several times a year.

Ideally, you want to go for the Disney Vacations Protection Plan, which gives you coverage for specific situations during your travel. While it’s not the best out there, the peace of mind it can provide can’t be underestimated.

Frequently Asked Questions

How Much Does the Disney Cruise Insurance Cost?

The cost of getting yourself insured via the Disney Vacations Protection Plan is equivalent to 8% of your sailing fare. The minimum charge is $29, while the maximum is $399.

To avail of the insurance, you can purchase it directly online or via your travel agent.

Is It Possible To Add Disney Cruise Insurance After I Placed My Booking?

Yes, it’s possible. You can add this extra level of travel protection after booking or before making your final payment.

What Happens if I Miss My Disney Cruise?

You can head over to the next port of call to get a chance to get aboard the ship. However, if that’s not possible, then your only option is to let it go and go home.

But if you have Disney Cruise insurance, they will provide you with coverage, but you’ll have to contact them or your agent for more details.

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