disney visa travel insurance

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Travel Insurance

Best travel insurance for a Disney World vacation in 2024

Timothy Moore

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 4:26 p.m. UTC Jan. 10, 2024

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• Disney offers a comprehensive Travel Protection Plan for trips to Disney World, Disneyland and Aulani.
• Disney travel insurance includes trip interruption and cancellation, lost baggage and emergency medical protection, among other coverages.
• You can also purchase third-party travel insurance for more comprehensive coverage — sometimes at lower rates.

Disney World is the most magical place on earth; it’s hard to imagine anything going wrong there. But bad things can — and do — happen, even on a Disney vacation.

If you’ve sunk what feels like your life savings into an upcoming Disney trip, it may be a good idea to protect your investment with Disney travel insurance. You can purchase official Disney World travel insurance through the mouse himself, or you can work with third-party travel insurance companies .

What is Disney’s insurance package? 

The official Disney trip insurance plan is called the Travel Protection Plan. You can purchase this plan when booking a trip yourself or through an authorized Travel Agent Specializing in Disney Destinations (that’s Disney’s overly complex name for its travel agents).

The plan offers refunds for canceled or interrupted trips for any covered reasons. It also provides travel medical insurance and covers certain losses while traveling, such as baggage and personal effects.

The official Disney World trip insurance policy is only available to U.S. residents. Plans are underwritten by Arch Insurance Company and administered by Aon Affinity.

What Disney travel insurance covers

Here’s everything you’ll get when you purchase the official Travel Protection Plan for your Disney World vacation.

Trip cancellation/trip interruption

If your trip is canceled or ends early for a covered reason such as illness, injury, job loss or military service, you’ll be reimbursed up to 100% of your prepaid travel costs.

Similarly, if your trip is delayed for six or more hours due to a covered reason, such as a road closure, you’ll be reimbursed for related expenses — up to $200 per day ($600 maximum).

Baggage loss and delay

If your luggage or personal effects are lost, stolen or damaged, this coverage can reimburse up to $2,000. Reimbursement will be for the actual cash value, which accounts for depreciation, or the cost to replace or repair the item, whichever is less. There is a limit of $500 per item. 

If you arrive in Orlando but your bags don’t make it for another 12 or more hours, you can also get up to $500 reimbursed for buying a few necessary personal items. Be sure to save your receipts — you’ll need them to file a claim.

Emergency medical protection and evacuations

Disney’s Travel Protection Plan includes $25,000 of coverage should you become ill or get injured during your Disney travel. If you need emergency medical transportation, up to $100,000 is covered.

Travel accident

The policy also includes $25,000 in coverage for accidental death or dismemberment .

Rental car damage

If you rent a car for your Disney vacation, you’ll be covered for up to $25,000 in repair costs following a collision, theft, damage or vandalism.

Keep in mind: You may also have rental car coverage through your credit card and/or your current car insurance company . 

Worldwide emergency travel assistance

In addition, when you purchase the official Disney World travel insurance plan, you’ll get 24/7 emergency travel assistance provided by CareFree Travel Assistance.

Is Disney World travel insurance worth it?

In some cases, purchasing Disney insurance makes a lot of sense. In others, it might not be worth the cost.

To understand how to navigate the decision, we spoke with Kat Wolfe, an authorized agent and owner of Get Down to Disness, a company that offers coaching and business development resources for Travel Agents Specializing in Disney Destinations.

“Whenever a guest is unsure if they want to protect their vacation with insurance and ask for advice on making the decision, I ask them to consider whether or not they can afford to lose the amount they spent,” Wolfe says. 

“For instance, if a client is taking a three-night solo trip, staying at a Value Resort, is an Annual Passholder and books a Basic Package (so no tickets are being purchased), it’s fairly low cost and it may not make financial sense to purchase insurance as the deposit is equal to one night’s stay and the balance is due upon check-in. On the other hand, a family staying five nights, with park tickets and a dining plan where the balance is due 30 days in advance of arrival, should seriously consider investing in insurance with so much more to lose.”

Disney travel can be confusing and stressful. If you don’t understand all the nuances, consult with a Disney travel agent about your travel plans. Booking through a Disney agent incurs no extra cost.

How to get Disney World travel insurance

You can add on the official Travel Protection Plan while booking a Disney World vacation online or through a travel agent — just select “Add Travel Protection” when prompted.

You can also add travel protection to existing plans before final payment. Log in to the Disney World website, navigate to “My Plans” and choose “Change Reservation” to start the process.

Alternatively, you can call (407) 939-5277 to add trip insurance to your Disney vacation. However, Disney gets a notoriously high volume of calls. You could wait quite a while if you go this route.

When to get Disney World travel insurance

Already booked a Disney World vacation? You may still be able to purchase official Disney trip insurance. As long as you haven’t paid for your trip in full, you’re eligible to add it to your booking.

In general, it’s best to buy travel insurance as soon as you’ve made your first trip deposit as it covers you for all the days leading up to your trip. If you need to cancel for a covered reason, the Disney Travel Protection Plan will refund your prepaid, nonrefundable travel package, including airfare (as long as it’s scheduled for travel within seven days of the travel package). 

How much is Disney travel insurance? 

The Travel Protection Plan through Disney costs $95 per adult for Walt Disney World vacations. Children 17 and under are included in the per-adult price.

Coverage for Disneyland trips is slightly more affordable at $85 per adult . Coverage for vacations to Aulani, Disney’s Hawaiian resort, costs $99 per adult .

Top reasons to buy Disney World travel insurance 

Any seasoned traveler will tell you the peace of mind alone is reason enough to purchase travel insurance , but a Disney World trip in particular is a strong candidate for carrying a policy. Here are a few reasons why.

Disney World trips are expensive

Taking your family to Walt Disney World isn’t cheap. Families can often spend a week at an all-inclusive resort or travel to Europe for the same cost — or for less than the cost — of a Disney vacation.

According to WDW Magazine, the average Disney World vacation cost $7,245.70 during peak season in 2023. That’s for a family of four with tickets, lodging and airfare for a weeklong trip — and it doesn’t even include food, transportation to and from the airport, souvenirs or any trip add-ons, like Genie+ (Disney’s paid skip-the-line service).

Hurricanes can wreck your trip

Disney World is located in central Florida, far enough from the coast. However, strong tropical storms and hurricanes during the summer and fall can still ruin vacations to Disney World.

In some extreme cases, the parks shut down. Even if the parks stay open, rides often close down and the scheduled parades and fireworks may not happen.

And that assumes you make it to Orlando. Hurricanes can lead to delayed and canceled flights that can stop your Disney World vacation before it even starts. 

If your planned Disney vacation is during Atlantic hurricane season — June to November — it’s a good idea to compare Disney travel insurance to third-party travel insurance plans . The latter often have more robust hurricane coverage. 

Flights are still unreliable

Flight cancellations and delays have been so bad in recent years that the federal government launched a formal investigation into the problem. And industry experts say the problem may worsen over the next decade before we see improvements.

If your flight arrives a day late — or even half a day late — you could miss some of the magic at Disney World. And without the proper travel insurance, you’ll have nothing to show for it. 

Alternatives to Disney travel insurance 

Purchasing travel insurance through Disney while booking your trip is easy, but that doesn’t mean it’s the most affordable or comprehensive option. Here are some alternatives to booking Disney World travel insurance directly through Disney.

Other companies providing travel insurance for Disney World 

The best travel insurance companies offer policies that cover Disney World vacations. You can easily compare travel insurance quotes on sites like Squaremouth and InsureMyTrip. You might be able to find policies with more extensive coverage for a lower price.

Combining existing coverages

If you already carry certain insurance policies, portions of your trip may already be covered. If you’re a U.S. resident:

• Health insurance should cover medical costs if you need to visit a doctor, go to the hospital or purchase a prescription while in Orlando.
• Car insurance may cover you even when you’re behind the wheel of a rental.
• Homeowners insurance or renters insurance will typically cover your personal items even in transit, meaning you may be able to file a claim for lost or stolen belongings.

Read your policies closely to understand what is and isn’t covered — but remember that these policies won’t cover things like hotel and airline costs if you have to cancel your trip or leave early.

Traveling without coverage

Insurance is always a gamble. Most of the time, you won’t need it. If you’re trying to save some money on your Disney World vacation, you could choose to skip travel insurance altogether. Even Wolfe says this may make sense for lower-cost trips.

Disney World travel insurance FAQs

You don’t have to purchase a Disney travel insurance plan for your Disney World vacation. You have the option to purchase travel insurance through a third party, and you may have certain coverages through other policies, including car and homeowners insurance .

The Disney Travel Protection Plan costs $95 per adult at Walt Disney World, $85 per adult at Disneyland and $99 per adult at Aulani. This flat rate includes children 17 and under.

The official Disney Travel Protection Plan includes the following:

• Trip cancellation insurance .
• Trip interruption coverage.
• Trip delay coverage.
• Baggage loss coverage.
• Bag delay coverage.
• Travel medical insurance .
• Emergency evacuation/repatriation .
• Accidental death and dismemberment.
• Rental car damage coverage.
• Worldwide emergency assistance.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance – Frequently Asked Questions

What are the benefits of the Travel Protection Plan?

The Travel Protection Plan helps protect you and your family for unexpected covered losses from the moment that you step out of your front door until the moment you safely arrive back home. The Travel Protection Plan provides coverage if you cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package for covered reasons described in the plan such as illness or injury. If you cancel due to a covered reason, the Travel Protection Plan will provide a refund of the prepaid, nonrefundable travel package, including the cost of airfare that is scheduled for travel within 7 days of the travel packages.

The Travel Protection Plan also provides coverage for covered losses while traveling, such as trip interruption, trip and baggage delays, baggage protection and medical expenses protection (including emergency medical transportation). In addition, the Travel Protection Plan contains non-insurance services for 24-hour worldwide emergency assistance (provided by LiveTravel).

To view the terms, conditions and exclusions, visit: www.affinitytravelcert.com/docs/DSP01 .

If you have questions, please call (844) 203-3123 to speak with a representative from Aon Affinity, the program administrator.

To purchase Travel Protection, please select the "Add Travel Protection" option when booking your vacation package . Travel Protection may also be added to your reservation by calling the Disneyland Resort at (714) 520-5050. Guests under 18 years of age must have parent or guardian permission to call.

Travel Protection Plan can be purchased any time prior to final payment for your trip.

Aon Affinity is the brand name for the brokerage and program administration of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. Aon Affinity Contact Information: 900 Stewart Ave #400, Garden City, NY 11530; 800-842-4084; [email protected] . As an MGA we are acting on behalf of our carrier partner, Arch Insurance Company (NAIC #11150). Arch Insurance Contact Information: 844-289-3443.

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150) under Policy Form series LTP2013 and applicable amendatory endorsements. Assistance services are provided by the designated travel assistance company listed in your Travel Protection Plan. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that may apply.

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Disney Visa Card — Full Review [2024]

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Disney Visa Card

19.24% - 28.24% Variable

Good to Excellent (670-850)

A straight 1% in Disney Rewards Dollars that can be redeemed for Disney tickets, merchandise, and other offerings makes this a Mickey fan's go-to card.

For you and your family, vacation time is Disney time. In fact, Disney is #1 for you and your brood all year-round. You have the Mickey ears to prove it!

Lucky for you, the Disney ® Visa ® Card makes it simple to earn Disney Rewards Dollars that you can spend at Walt Disney World ® , Disneyland ® , shopDisney.com, and more.

Card Snapshot

Welcome bonus & info.

• Earn a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening.
• Earn 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn.
• Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of  16.24 %– 25.24 %.
• Save 10% on select purchases at shopDisney.com when you use your Disney Visa Card.
• Receive 10% off select merchandise purchases of $50 or more at select locations at the  Disneyland ®  and  Walt Disney World ® Resorts when you use your Disney Visa Card.
• 15% off the non-discounted price of select guided tours at the  Disneyland ®  and  Walt Disney World ® Resorts when you use your credit card to purchase.
• Pose for special photos at our private Cardmember locations at  Walt Disney World ®  Resort and the  Disneyland ®  Resort. Your complimentary photo downloads will be digitally enhanced with Disney or  Star Wars Characters appearing right next to you.

Card Categories

Credit Card Reviews

• No Annual Fee Cards

Rewards Center

Disney Rewards

Customer Service Number

800-432-3117

• Save 10% on select purchases at shopDisney.com when you use your Disney Visa Card
• Receive 10% off select merchandise purchases at select locations at the  Disneyland ®  and  Walt Disney World ® Resorts when you use your Disney Visa Card
• Earn 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn
• No annual fee
• Pose for special photos at private Cardmember locations at both parks and receive complimentary downloads of your photos
• Receive a one-year complimentary DoorDash DashPash if activated by 12/31/24
• Does not earn transferrable points to other travel partners
• Has a foreign transaction fee

Great Card If

• You visit Disney Parks and vacation properties frequently
• You make regular purchases at shopDisney.com
• You would use the financing benefit on Disney vacation packages

Don’t Get If

• You want a card with flexible redemption options
• You want to earn a ton of points each month
• You rarely take Disney vacations

Disney Card Benefits

Welcome bonus offer and earning disney rewards dollars.

Earn a $250 Statement Credit after spending $500 on purchases in the first 3 months. . The welcome offer is great for a shopping trip at Walt Disney World Resort, Disneyland Resort, Disney Cruise Line, and other select locations.

With the card, get 1% Disney Rewards Dollars on all purchases, which will be worth $1 each. Unlike other credit cards, there’s no limit to the number of Disney Rewards Dollars you can earn!

Bottom Line: The Disney card comes with a decent welcome offer bonus and the opportunity to earn a flat 1% in Disney Rewards Dollars.

Tons of Disney Card Perks

Disney fans, check out all of the perks that come with the Disney card.

First, get 15% off select guided tours at Walt Disney World Resort and Disneyland Resort. Also, get 10% off select dining locations at both resorts. Cardholders also have the opportunity to pose for special photos at special cardholder locations at both resorts.

Love Disney merchandise? Get 10% off select merchandise purchases of $50 or more at select locations and shopDisney.com , too.

Cardholders will also get savings aboard a Disney Cruise Line when using their card to pay for select onboard purchases.

In addition, you’ll get a 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24% . That’s half a year to pay off the trip of a lifetime.

Bottom Line: Special discounts on Disney tours, merchandise, and dining, plus special photo opportunities make the Disney card   a dream come true for Disney fans.

Other Benefits of the Disney Card

The card has no annual fee, unlike the more premium Disney ® Premier Visa ® card , which costs $49 per year.

That means you’ll start out ahead of the game earning Disney Rewards Dollars to redeem for almost everything Disney: DVDs, toys, movie tickets, and more! You can even redeem your Disney Rewards Dollars for Disney theme park tickets and services.

Of course, a true Disney fan wants everyone to know it. Show off your Disney style with your choice of 10 different Disney and Star Wars designs on your credit card.

Finally, for the traveling family, you’ll be glad to know that the card also comes with purchase protection, extended warranty on products, and baggage delay insurance to make sure a lost bag doesn’t ruin your trip!

Bottom Line: The Disney card comes at no annual fee, earns Disney Rewards Dollars that are redeemable for almost anything Disney-related, and has 10 different choices for card designs! You’ll also get a few insurance options, like baggage delay coverage.

Best Way To Redeem Disney Rewards Dollars

Before you can redeem your Disney Rewards Dollars, you’ll need to order a Disney Rewards Redemption Card. It’s a reloadable card that holds your Disney Rewards Dollars until you are ready to spend them.

Redeeming Disney Rewards Dollars

1 Disney Rewards Dollar is equal to $1 when you redeem it for Disney products and offerings. Whether you redeem for a $109 Walt Disney World Park ticket or a $55.95 Star Wars costume, Disney Rewards Dollars are always worth $1 each.

You do have quite a few options for using your Disney Rewards Redemption Card, whether purchasing a voucher or vacation rewards. However, all of your redemption options are of course Disney-related.

Consider it a great way to budget your spending, or to give your kids a gift that makes them feel like they have their own money to spend!

Disney Vacation Rewards

Disney Rewards Dollars can also be redeemed for hotel stays at Disney Resorts, seasonal park passes, Disney Cruise Line spa experiences, souvenirs, and much more.

Use your Disney Rewards Dollars to cover the full value of your Disney reward or a portion of the cost. Check out this list of locations where you can redeem your Disney Rewards Dollars .

Best Way To Maximize Disney Rewards Dollars

You are limited in the number of ways you can maximize your Disney Rewards Dollars.

The more you use the card, the more Disney Rewards Dollars you will accumulate. But don’t go overboard with your spending to increase your Disney Rewards Dollars balance! Any interest accrued on a balance you can’t pay off will always offset rewards earned.

Alternatives to the Disney Card

Disney ® premier visa ® card.

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.

Mickey and his friends are like part of the family. Your kids can recite the words to everything from Aladdin to Toy Story. And there’s no question where you’re going on Spring Break (Space Mountain, anyone?).

As a premier Disney fan, you always have the Disney ® Premier Visa ® Card on hand. It earns you cash back and discounts at Walt Disney World , Disneyland, and more.

• Save 10% on select purchases at shopDisney.com when you use your card
• Earn 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com
• Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations
• Earn 1% on all other card purchases
• Redeem Rewards Dollars for a statement credit towards airline travel
• Get a one-year complimentary DashPass if activated by 12/31/24
• Does not earn transferrable rewards
• Earn $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening
• Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 15.49%‐24.49%
• Save 10% on select purchases at shopDisney.com when you use your Disney Premier Visa Card
• Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.
• Earn 2% in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations and most Disney locations.
• Earn 1% on all your other card purchases.
• Airline Statement Credit: Redeem Rewards Dollars for a statement credit toward airline travel

Financial Snapshot

• APR: 19.24% - 28.24% Variable
• Foreign Transaction Fees: 3% of the amount of each transaction in U.S. dollars.
• Cash Back Credit Cards

If you love Disney but want a little more flexibility when it comes to redeeming your Disney Rewards Dollars, you might consider the Disney Premier card . In addition to Disney benefits, it allows you to redeem Disney Rewards Dollars for airline tickets .

This card has a $49 annual fee, but you’ll earn 2% in Disney Rewards Dollars on restaurants, supermarkets, gas stations, and Disney purchases, and 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com , Hulu.com , or ESPNPlus.com .

Bottom Line: The Disney Premier card   offers 2 ways to spend your Disney Rewards Dollars: on Disney products and services or for airfare. The Disney card   only allows you to redeem your Disney Rewards Dollars for Disney products and services.

Cash-Back Cards

If you aren’t going to be using the Disney perks, you can also consider other cash-back cards entirely, such as the Citi ® Double Cash Card , Blue Cash Everyday ® Card from American Express , or the Capital One Quicksilver Cash Rewards Credit Card .

The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Blue Cash Everyday ® from American Express, click  here .

Frequently Asked Questions

Is it worth it to get the disney card.

Disney fans will enjoy 1% in Disney Rewards Dollars on all purchases that can be redeemed for Disney Rewards Dollars.

You can use your Disney Rewards Dollars for Disney merchandise and vacation rewards.

What are the benefits of the Disney card?

There are many perks that come with the Disney card, such as special photo opportunities at exclusive c ardmember locations at both resorts.  Plus, you’ll get complimentary downloads of your photos.

You also get 10% off purchases of $50 or more at Disney Store and shopDisney.com , as well as 10% off select dining and merchandise at Walt Disney World and Disneyland.

Where can I get the Disney card?

Apply for the card at DisneyRewards.com .

Where can the Disney card be used?

The card can be used for all of your everyday purchases. You can then use your Disney Rewards Dollars for redemptions on Disney products.

Your Disney Rewards Dollars redemption has to be in increments of $20, and it will be put onto a prepaid gift card that you can use at any Disney-owned property or store.

Is there an annual fee on the Disney card?

No. There is no annual fee.

What are Disney Rewards Dollars?

Disney Rewards Dollars are the currency you can use toward Disney products or offerings. 1 Disney Rewards Dollar is equal to $1 when you redeem them.

Before using Disney Rewards Dollars, you must load them to a Disney Rewards Redemption Card.

When do Disney Rewards Dollars post to your account?

Disney Rewards Dollars post to your account at the end of the billing cycle in which they accrued.

Where do I redeem Disney Rewards Dollars on my Disney Rewards card?

You redeem Disney Rewards Dollars by requesting a Disney Rewards Redemption Card.

The Disney Rewards Redemption Card holds your Disney Rewards Dollars so you can use them at Disney theme park ticket booths, Disney resorts, Disney cruise lines, and more.

Once you have 20 Disney Rewards Dollars, you can order a Redemption Card by calling 800-300-8575. You can also order them online or at Disney parks.

When do Disney Rewards Dollars expire?

Your Reward Dollars on your account expire 60 billing cycles after the billing cycle in which they first posted to your monthly billing statement.

Which Disney credit card is best?

There are 2 major differences between the Disney card and the Disney Premier card : annual fee and Disney Reward Dollars earnings.

While the Disney card has no annual fee, the Disney Premier card costs $49 per year. It also earns 2% Disney Rewards Dollars at restaurants, supermarkets, and gas stations, rather than a flat 1%.

Both cards provide access to special photo opportunities and a 10% merchandise discount.

Does the Disney card have a 0% APR offer?

No. However, the card does offer a finance offer on select Disney vacation packages.

Does the Disney card have a foreign transaction fee?

Yes, there is a 3% foreign transaction fee.

What is the Disney card login?

Log in to your account at chase.com .

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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Travel Insurance for Your Disney World Dream Vacation: What You Need to Know

By Erica Lamberg

Erica Lamberg

If you purchase an independently reviewed product or service through a link on our website, Rolling Stone may receive an affiliate commission.

We may receive payment from affiliate links included within this content. Our affiliate partners do not influence our editorial opinions or analysis. To learn more, see our Advertiser Disclosure.

Planning a trip to Disney World is something that millions of Americans do each year—and it’s an expensive proposition. The Mouse Hacking website estimates that a baseline Disney World vacation for a family of four costs about $5,200 for five nights. And that’s for a room at Pop Century. Watch your numbers go up if you book the Grand Floridian, add park hopper to tickets and buy other perks.

In the midst of your excitement to plan this magical getaway, you may not realize that there are aspects to your trip that should be protected by a comprehensive travel insurance policy.

Related: Compare & Buy Travel Insurance

“A trip to Disney World is often associated with a high trip cost between your flights, park tickets, lodging, dining plan and any special event tickets,” says Christine Buggy, spokesperson with Travelex Insurance Services, a travel insurance provider. “It’s safe to say that families save up for this magical experience for months, even years.”

Because of the financial investment of a trip to Disney World, be sure to purchase a travel insurance policy with:

• Trip cancellation coverage
• Trip delay and trip interruption benefits
• Coverage for medical expenses and medical evacuation, depending on how good your own health insurance is

Trip Cancellation Insurance for Disney World

You never want something unfortunate to happen before a wonderful trip you have planned, but these sad circumstances do happen. For example, if four days before your trip you have a devastating house fire, this would typically be a covered reason to cancel your trip and file an insurance claim.

“Protecting this investment with trip cancellation coverage is the financially smart thing to do, in the heartbreaking event your family couldn’t go,” says Buggy. If your hotel is pre-paid or if you have made non-refundable deposits such as a character dinner show, your insurance policy can reimburse you 100% for these non-refundable, pre-paid trip costs.

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Common reasons that will be covered under standard trip cancellation coverage include death, illness or injury to you or someone in your immediate family, a serious family emergency, severe weather, jury duty and even a car accident on your way to the airport. Make sure to check the reasons listed in the policy you’re considering.

Disney World is no stranger to hurricanes. “If you can’t leave for your trip due to a hurricane, or if your trip is cut short or delayed because of inclement weather, travel insurance can really save the day,” says Buggy at Travelex.  “Keep in mind you need to buy your travel insurance before the hurricane becomes a named storm and often other eligibility requirements may apply.”

It’s important to understand that not all reasons are covered for trip cancellation under a standard travel insurance policy. For example, if your son’s baseball team advances to the district championship, and the big game is during your trip to Disney World, this would not be a covered reason for cancellation.

“If you’re looking for peace of mind, ‘cancel for any reason’ may be a great add-on,” says Buggy.  A “cancel for any reason” upgrade to a policy will add about 50% to the policy cost. But it offers the most flexibility to change your plans and cancel. You can cancel your trip up to 48 hours before your scheduled departure and you can generally recover 75% of your trip cost.

Related: Compare over 22+ Travel Insurance Companies

Travel Delays in Getting to Disney World

You will likely have a packed itinerary when visiting Disney World, and since you’ve probably paid for experiences in advance, having a safety net in place can protect your investments.

For example, if your flight to Orlando is canceled due to severe thunderstorms and the remainder of flights are full or suspended until the next day, you could be missing an after-hours special tour of Epcot, or a private tour at Animal Kingdom that you paid for in advance. Your travel insurance policy can reimburse you for these non-refundable and pre-paid expenses that you miss because of the weather delay.

Look for the travel delay coverage maximum and delay requirement in the policy. For example, the Gold plan from the John Hancock Insurance Agency provides travel delay benefits of $1,000 per person ($200 daily limit) after only a three-hour delay.

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If you need to cut your trip short and return home for a reason covered by the policy—like a life-threatening illness to your mother at home—your travel insurance policy can cover the cost of a return flight and reimburse you for any unused, non-refundable and pre-paid trip deposits.

For example, if you pre-paid for a hotel suite and it’s non-refundable, your travel insurance policy can reimburse you for what could total thousands of dollars.

Medical Problems While at Disney World

Even though your own health insurance plan may cover any medical needs while in Florida, it may make sense to purchase a comprehensive policy that includes medical benefits, especially if your own health plan has a very high deductible. In these cases, look for a travel insurance plan where the medical coverage is “primary,” meaning the travel plan pays first. Many travel insurance plans have “secondary” medical coverage.

“However, if the Disney World vacation is a domestic trip and you aren’t in need of medical benefits, you may be able to find a less expensive option with no or limited medical benefits, and focus primarily on trip cancellation and interruption,” suggests Megan Moncrief, a spokesperson with Squaremouth, a travel insurance comparison provider.

Travel Insurance for Families

If you are traveling with children, Buggy recommends that you look for a travel insurance plan that accommodates families. For example, Travelex’s Travel Select plan provides coverage for children under age 17 at no additional cost when they’re accompanied by an adult who’s listed on the policy.

“The number of children is unlimited. making it perfect for a family of any size,” says Buggy. “You can even add on the car rental collision upgrade if you’re planning to rent a car on your adventure in Florida.”

Should You Buy Disney Insurance?

You might be wondering: Why not just buy the standard insurance package offered by Disney?

Moncrief with Squaremouth recommends that you compare the insurance offerings available directly from Disney with third-party options. Disney’s Travel Protection Plan provides a wide array of coverage for common travel problems, but you can find more robust coverage limits through travel insurance plans from third parties.

For example, Disney World’s Travel Protection Plan provides up to $25,000 in medical coverage. That may be sufficient for you. But you can buy third-party plans with different levels of medical coverage, often up to $500,000 per person.

If you have particular cancellation concerns, make sure to compare policies, especially if you want upgrades such as “cancel for any reason” coverage. The Disney Travel Protection Plan does not provide a “cancel for any reason” option.

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Travel Insurance

• Trip Cancellation or Interruption  – Helps protect your travel investment by reimbursing you for pre-paid, non-refundable dues and other out-of-pocket expenses if you must cancel or interrupt your trip due to a covered reason.
• Emergency Medical Expenses  – Ensures you receive adequate medical care when traveling and can cover the cost of transporting you to the nearest medical facility in an emergency.
• Trip Delay – Provides coverage if you are delayed for 5 hours or more while en route to or from your destination.
• Primary Coverage – Provides easy claims handling and less time and hassle to receive reimbursement for eligible losses with no deductibles. Funds may be recovered from your medical or other collectible insurance plans.
• Baggage & Baggage Delay – Safeguards personal articles and expenses if bags are lost, stolen, damaged or delayed for 12 hours or more while traveling.
• Security Deposit Protection – Provides coverage for accidental and unintentional damage to your unit and its contents

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Do you need travel insurance for Disney?

Should i get the official disney world travel insurance, what does disney travel insurance cover, third-party travel insurance for a disney world vacation, disney travel insurance faqs.

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Best Travel Insurance for your Vacation to Disney World

• Depending on how much your trip costs and the total length of your stay, buying the official Disney travel insurance can easily work out to be more expensive than a third-party travel insurance plan.
• The travel insurance offered by Disney Parks covers emergency medical expenses, lost or delayed baggage, trip delays, emergency evacuation, and auto rental coverage, but its low medical coverage limits are a concern.
• The official Disney travel insurance for resort vacations costs $95 per adult and covers children under 17 for free . However, only U.S citizens staying at a Disney hotel or resort (booked through Disney) are eligible.
• Opting for Disney’s plan could be a good choice if you only want basic coverage , but several third-party travel insurance plans also covers kids under 17 for free and offer more comprehensive coverage at a cheaper price than Disney’s.
• Based off our findings, better Disney travel insurance plans are offered by Generali, Tin Leg, & Berkshire Hathaway. ( Skip ahead to see plans )
• We recommend reviewing the coverage limits and doing a quick comparison with an online quote tool to ensure you get the coverage you need at an affordable price.

A Disney World trip can cost up to $5,000 or more, depending on a few different variables. It’s no secret that between flights, resorts, park entrance fees, and food, even a short stay can be very expensive. For many people, planning a trip to Disney World on a budget can be the result of months of saving. So, before deciding on going to Disney World, it’s important to consider the costs and to protect your vacation the same as you would with a trip abroad. This includes opting for travel insurance.

If you’ve found yourself wondering, “How much is a trip to Disney World?” The truth is, the answer can vary greatly based on your preferences and how many people are going.

According to Mouse Hacking , the average cost of a Disney vacation in 2024 is a little less than $7,000 for a family of four.

Here are a few questions to ask yourself to figure out how much a trip to Disney World costs:

• How much are tickets to Disney World per person?

For a 4-day entry pass, it comes roughly to $99 per day.

• How much is a Disney World resort?

A 5-night stay for a family of 4 can come around to $5,000 average price.

• How much are flights to Disney World?

An average of $150-$500 depending on when and from where you fly in the U.S.

Our top picks for the best disney travel insurance

• Generali Global Assistance: Best Overall Coverage
• Tin Leg: Best for Trip Cancellation Coverage
• Berkshire Hathaway Travel Protection: Best for Medical Evacuation Coverage
• Berkshire Hathaway Travel Protection: Best Basic Coverage

The short answer is yes, you should consider buying Disney travel insurance. For a 3-night stay in a Disney World resort and a 4-day park entry pass, a Disney vacation can quickly reach $3,000-$4,000.

Therefore, it makes sense to get a cheap Disney travel insurance plan that can ensure you and your investment are covered should anything happen to ruin your trip. Travel insurance policies start at just a few dollars per day and are a safe way to plan a trip to Disney World without worrying about losing your money should your trip be cut short or if someone falls ill.

What to consider when choosing Disney Travel Insurance

Depending on the specifics of your trip, you may need a certain type of insurance.

For example:

• A family vacation to Disney World with grandparents, pregnant people, or those with pre-existing health conditions could call for an inexpensive emergency travel medical plan.
• Flying and checking luggage may call for trip interruption, cancellation, or baggage coverage.

Regardless of the type of Disney vacation, ensuring you get the right kind of travel insurance for your trip is worthwhile.

Here is a look at some different scenarios you may want to consider before skipping on travel insurance for Disney.

Canceling your trip or cutting it short

You may not have it in the cards to cancel your trip, but Disney World is located in Orlando, Florida, which means there is a risk of receiving bad weather from passing hurricanes and sweltering temperatures in Summer.

It wouldn’t be the first time that hurricanes have forced the closure of Disney World parks, so it’s wise to opt for insurance that can cover this scenario. Typically, hurricane season runs from June to November, so if you’re planning a trip to Disney during that time, getting travel insurance is a must.

You may want to consider opting for a plan that includes:

• Trip cancellation insurance
• Trip interruption insurance

Note: Take a close look at the weather-related inclusions. Normally travel insurance will cover for unforeseen events such as severe weather, this comes under trip cancellation. If a storm was expected before you booked, then your travel insurance may not cover it.

Trip cancellation insurance for a trip to Disney World

If you’re not entirely sure you can make your Disney vacation happen and you’re worried about losing the money you paid, cancellation insurance is a must.

Trip cancellation insurance will usually reimburse you if you have to cancel for:

• Medical reasons (including COVID)
• Work reasons
• Financial default

For extra assurance, you can also choose a travel insurance plan that comes with cancel for any reason (CFAR) coverage .

This additional insurance will make your travel insurance policy cost more upfront, but you can get reimbursed for anywhere from 50% to 75% of your pre-paid, non-refundable travel expenses when you cancel for any reason—even if you just decide you cannot go.

Trip interruption coverage

As a continuation of the above, your trip may start out great and hit a snag that forces you to cut it short. This is where trip interruption insurance can save the day.

Most comprehensive travel insurance plans will include trip interruption coverage as standard. This helps to cover you if you need to be reimbursed for unused expenses or have to return home earlier than expected due to a problem covered by your policy. Sometimes this also includes paying for your flight home. Some reasons include injury or illness, frequent severe weather, or a family emergency such as a death in the family. For extra security, you could also get ‘interruption for any reason’ coverage which means you can cut your trip short for whatever notice and still get 75% of your costs back.

Covering your flights & belongings

While people in the South East often drive to Disney, it’s more common to fly to Orlando. If that’s the case you’ll want to ensure your flights and belongings are protected from delays, loss, or damage.

Trip delay coverage

Travel delay coverage can be useful in paying for accommodation, meals, or anything else you might need if your trip gets delayed. These can include flight delays due to bad weather, mechanical problems, or other issues.

Sometimes it can also pay out for having to extend your trip as a result of the delay. Normally, comprehensive travel insurance plans will have trip or travel delay included and are subject to a minimum waiting time and payment limit.

Baggage loss, delay & damage coverage

The recent baggage loss fiasco in the U.S. is no secret, and it is becoming ever more common. You may want to consider a plan with coverage for baggage delays or lost luggage reimbursement. Some travel insurance policies offer better coverage overall for damage and can even extend to covering rental cars.

Coverage for health & safety while visiting Disney

If you’re planning a trip to Disney World with kids or grandparents, then getting additional medical travel insurance can be even more important.

During Florida’s summer months, temperatures can reach 100º or more, which can lead to dehydration, heat exhaustion, or even heat stroke if you are not careful.

It’s also easy to forget that theme parks require some physical exertion. One example of this is the Mission to Space ride, which has a history of inducing heart attacks for certain visitors. To avoid any unpleasant surprises, getting travel medical insurance that covers medical fees is a wise choice.

Travel medical coverage & medical evacuation coverage

Disney’s travel insurance plan only covers you for up to $25,000 of medical assistance and $100,000 for emergency medical evacuation . In the U.S., this does not go very far and could potentially leave you having to pay out-of-pocket.

Even if you have your own health insurance, travel medical coverage can still be a vital lifeline. First off, travel medical insurance is made to cover common travel scenarios, some of which may not be covered under your traditional health insurance. It can typically be tailored to the individual and offer coverage for pre-existing health conditions.

Additionally, medical evacuation coverage can ensure you have the full cost of transport to a hospital covered without additional out-of-pocket expenses. If you have to be rescued by ambulance or helicopter, some traditional health insurance plans may charge you out of pocket until your deductible is reached. Therefore, having this included in a travel medical plan is never a bad idea.

Disney travel insurance is expensive, especially for Disney cruises, and is fairly basic. However, Disney travel insurance for a Disney park may be worth it if you want basic coverage and prefer to pay for it as part of your Disney vacation package.

In our opinion, the price only makes sense if you stay for around a week, or if you have many children – since kids are included for free under the Disney Travel Protection Plan.

In most cases, third-party travel insurance will offer better coverage at more competitive prices.

That said, not everyone is allowed to buy the official Disney travel insurance. To be eligible for Disney travel insurance you must be staying at a Disney resort and have booked directly through Disney.

This means you’re not eligible if you’re staying in a hotel or Airbnb near a Disney park. The “Disney Travel Protection Plan” is offered at the time of booking, but can also be added by modifying an existing reservation.

• Easy to purchase
• Priced as a single flat-fee
• Backed directly by Disney
• Covers many different scenarios
• Kids are included for free
• Offers insufficient medical coverage limits
• Expensive for what you get
• Only available if you stay at a Disney resort
• Coverage is not customizable
• Pre-existing conditions not covered

What we like about the Disney travel insurance

We like how easy it is to book Disney’s travel insurance policies as it is offered directly through the company. You can easily opt-in for Disney travel insurance with any package that includes a resort stay, a dining plan, and theme park tickets.

In regard to the price, it’s not the cheapest, but if your trip is expensive, the price can work out in your favor. That’s because Disney travel insurance is offered for a flat fee whereas most other travel insurance plans are priced based on how much your trip costs.

That said, there are some notable downsides to consider with Disney’s travel insurance plans.

Negative points to consider

Disney’s travel insurance plan only covers you up to a certain amount for medical assistance and emergency medical evacuation . In the U.S., this means it may not cover all the costs and you may have to pay out of your own pocket. Apart from this, Disney’s plans aren’t customizable. Therefore, you cannot upgrade or adjust the limits of the plan to ensure you are covered.

Moreover, medical insurance is generally the cheapest type of travel insurance and you can often find plans for under $20 per person that offer better medical coverage through big-name third-party insurance companies.

Another point to consider is that Disney travel insurance is only offered to people staying on-site. Therefore, if you don’t plan to stay at a Disney resort, this plan will not cover you.

Lastly, at $95 per adult, Disney’s travel insurance is expensive.

Keep in mind that kids are included for free and that it’s offered at a flat rate. In our mind, paying this price only makes sense if you have many kids and plan to stay for a week at Disney Resorts.

Otherwise, we recommend opting for a more comprehensive plan that can be adjusted to your needs. There are also several third-party providers who cover kids under 18 for free. So if this is a perk you like, you can still get it through another company.

At a glance, Disney travel insurance includes protection for emergency medical expenses, lost or delayed baggage, trip delays, emergency evacuation, and auto rental coverage, to name a few included perks. However, the exact coverages you get can vary slightly depending on your state.

Here is a detailed look at what the official Disney travel insurance covers:

• Baggage delay : Reimburses up to $500 for necessary incidental expenses when your bags are delayed 12 hours or more.
• Baggage loss : Reimburses up to $2,000 for lost, stolen, or damaged luggage with a $500 limit per item and a $500 aggregate limit.
• Emergency evacuation and repatriation : Covers up to $100,00 in expenses for emergency evacuation, repatriation of remains, and other eligible expenses.
• Emergency medical protection : Covers up to $25,000 in emergency medical expenses per traveler.
• Rental car damage : Reimburses up to $25,000 in losses in the event of collision, theft, damage, or vandalism when you rent a car.
• Travel accident coverage : Comes with up to $25,000 in coverage that applies in the event of accidental death or dismemberment.
• Travel assistance : Automatically receive 24/7 travel assistance services worldwide.
• Trip delay : Reimburses incidental expenses that occur when trips are delayed for six hours or more with a maximum limit of $600 ($200 per day).
• Trip cancellation or interruption : Reimburses up to the total cost of a trip when a vacation is canceled or interrupted for an eligible reason.

How much does Disney travel insurance cost?

Disney’s Travel Protection Plan for resort vacations is offered at a fixed cost of $95 per adult. You can add children ages 17 and under to the plan for free.

The flat rate for Disney trip insurance can work for you or against you depending on the length of your trip and how many kids you have.

It’s underwritten by Arch Insurance Company and is only available for U.S. citizens regardless of where they live (U.S. or abroad). You may be better off going for a plan directly through Arch .

In general, it is a better deal overall for longer, pricier trips. For example, paying $190 to insure two adults and two children for a Disney resort vacation that costs $10,000 or even $5,000 can be a good deal. However, the same cannot be said for a short stay at a budget Disney property that costs under a few thousand dollars.

As an alternative to buying the official Disney travel insurance, consider taking a look at the following options:

• Buying coverage from a third-party travel insurance company
• Checking if your credit card offers travel protection

Using an online comparison tool is a quick and easy way to compare multiple travel insurance policies and their pricing all in one place. This way you can clearly judge if other plans may be more beneficial to you than what Disney offers.

We recommend opting for a plan that has higher medical coverage limits than the Disney plan.

Many companies offer travel medical insurance with limits of up to $50,000 or $100,000 per traveler or even higher, which also includes medical evacuation and transportation coverage worth up to $1 million. Best of all, many of these plans include free coverage for kids under 17.

Best alternative travel insurance for a Disney trip

Here is a look at our top plans that offer great coverage and include kids for free.

Best Overall Coverage

Generali global assistance, why we like it.

Editor's take

Arguably one of the best policies on our list, the Preferred plan from Generali Global Assistance is a tempting alternative to Disney insurance. Providing $150,000 worth of emergency medical insurance and $500,000 of medical evacuation coverage, the plan offers coverage at the higher end of the market.

Along with providing a higher level of medical coverage compared to Disney, Generali Global Assistance’s Preferred plan allocates you a $1,000 per person travel delay, covering any unforeseen delays to your trip.

If your trip is interrupted or canceled altogether, this plan will grant you coverage of up to $6,000 for any interruption and $4,000 for a trip cancellation. Vacationing in Disney World’s hurricane-prone Orlando can be volatile, so it is a welcome note that Generali Global Assistance’s Preferred plan also offers hurricane and weather coverage.

Read our full review

• High emergency medical and medical evacuation coverage
• Cancelation & interruption coverage
• Offers hurricane and weather coverage
• Extensive loss or delay coverage.
• No pre-existing condition coverage

Best for Trip Cancellation Coverage

Tin Leg’s Standard plan provides an appealing alternative to Disney’s in-house insurance. With medical coverage up to $30,000 and medical evacuation up to $200,000, this policy is an ideal supplementary plan to your U.S. healthcare.

A variety of delays are covered in this plan, including travel delays at $500 per person and baggage delays at $200 per person. The added inclusion of sports and activities coverage will also mean you can get the most out of your Disney World experience, regardless of any activity.

Although the second most expensive policy on our list, Tin Leg’s Standard policy will provide coverage up to $4,000 for any trip cancellations and $6,000 for trip interruptions - ideal, as a Disney World trip can cost up to $5,000 or more. Coverage for both adults and children means Tin Leg’s Standard plan can cover both old and young, including those with preexisting medical conditions.

• Customize from budget to premium coverage
• Protection for COVID-19-related medical expenses included
• All plans come with a 10 to 15-day money-back guarantee
• Standard plan has lower policy limits for medical treatment
• Secondary medical coverage means you must pay first & be reimbursed

Best for Medical Evacuation Coverage

Berkshire hathaway travel protection.

This plan offers great value as it’s the second most affordable plan on the list and provides ideal coverage for families visiting Disney World. With $500,000 worth of medical evacuation coverage, Berkshire Hathaway Travel Protection’s ExactCare plan’s evacuation coverage is at the market’s higher end.

Similar to the ExactCare Lite coverage, ExactCare provides trip cancelation and interruption, yet with the more appealing levels of $4,000 for cancelation and $6,000 for interruption. This plan also offers free coverage for two children per adult named on the insurance plan.

As well as providing hurricane & weather coverage, the ExactCare plan goes one step further and provides coverage for delays such as travel, baggage, and the loss of personal items. The ExactCare plan more than doubles its medical coverage compared to ExactCare Lite, offering $25,000 worth of coverage. Although lower than average, this coverage is perfect as a supplementary plan to your U.S. healthcare when visiting Disney Land.

• Free coverage for two children per adult
• Includes high emergency medical evacuation coverage
• Covers interruption and cancelation of the trip
• Includes travel, baggage, and the loss of personal items coverage
• 24 Hour AD&D
• Lower medical coverage limits for international travel

Best Basic Coverage

With much lower fees, the ExactCare Lite plan from Berkshire Hathaway Travel Protection is a fantastic alternative to Dinsey insurance, especially for those looking to save on costs. Coverage is included for both adults and children, offering free cover for two children per adult (aged 1 - 17) that you have listed on the plan. This brings peace of mind to the entire family on your Disney holiday

Located in Orlando, Florida, there is a higher likelihood of hurricanes affecting your visit to Disney World, it’s, therefore, a welcome bonus that ExactCare Lite offers hurricane & weather coverage as standard. This policy provides both trip cancellation and trip interruption clauses, covering both cancellations for medical and work reasons.

Although this policy doesn’t offer the highest emergency medical coverage, the medical evacuation coverage of $100,000 will bring confidence to US domestic travelers. With this plan, you will also be granted a money-back guarantee for 15 days following your purchase, allowing extra flexibility before your trip.

• Includes emergency medical evacuation coverage
• Lower average cost for coverage
• Free look up to 15 days after purchase
• Lower medical coverage limits
• Secondary medical coverage

Can I get a refund for my Disney trip?

If you’re planning to visit a Walt Disney World Resort and you’re wondering if you can get a refund for your trip, you should know that travel insurance makes refunds possible in certain situations. For example, trip cancellation and interruption benefits can help you get a refund for prepaid travel expenses when your trip must be canceled or cut short for an eligible reason.

If you have cancel for any reason (CFAR) travel insurance, on the other hand, you can cancel your trip and get a percentage of your total trip cost back at any time.

Can I cancel a Disney Cruise and get a full refund?

Whether or not you can get a refund for a Disney cruise depends on the details in your travel insurance policy. Once again, trip cancellation and trip interruption benefits can help you get a refund for prepaid cruise line expenses when your trip must be canceled or cut short for an eligible reason.

Meanwhile, CFAR coverage can also help you get part of your money back (usually 50% to 75%, depending on the plan) when you choose to cancel your cruise for any reason at all.

What’s the best time to go to Disney World?

Summer in Disney World Florida is not for the faint-hearted, with soaring temperatures as well as an increased chance of Hurricanes during the summer months from June until November, it can be hard to find the best time to go to Disney World. For those traveling with children, you may be restricted to school holiday dates, which means it is far more likely to get crowded at the parks too. For the best experience, try to go earlier in the year, from January until May or September until December. Although there can still be a chance of hurricanes in late summer, these are rarer and you’ll find that the weather is still quite warm and sunny, with fewer crowds.

Is Disney Cruise Insurance worth it?

Disney Cruise Line also offers its own travel insurance plan you can book when you set up and pay for a Disney cruise.

Disney cruise travel insurance includes the following types of coverage:

• Baggage loss: Reimburses up to $3,000 for lost, stolen or damaged luggage.
• Emergency medical, evacuation, and repatriation: Covers up to $30,00 in coverage for emergency medical expenses, emergency evacuation, emergency transportation, and other eligible expenses.
• Travel assistance: Automatically receive 24/7 travel assistance services worldwide.
• Trip delay: Reimburses up to $500 if your cruise ship is delayed for six or more hours due to a strike, weather, or other covered reasons.
• Trip cancellation or interruption: Reimburses up to the total cost of a trip (maximum limit of $20,000) when a vacation is canceled or interrupted for an eligible reason.

Does travel insurance for Disney cover me in case of Covid

Covid is still very much a risk in the world, so the chances of catching it and testing positive before your trip can be a worry. To avoid this risk, you can purchase a travel insurance plan that covers Covid-related cancellations or interruptions, as well as medical expenses. Bear in mind, however, that if you want to cancel due to rising infections, and not because you have Covid, then you will need a CFAR insurance plan instead.

How much is Disney cruise travel insurance?

Disney cruises are an exception to the flat rate rule.

The cost of adding a travel insurance plan to a Disney cruise is charged as a percentage of the trip cost instead of using the flat rate model. Generally speaking, travel insurance from Disney for its cruises will set you back 8% of the voyage fare per guest. This is well over the industry average cost of travel insurance , which sits at 5-6%.

Considering the high costs of this type of vacation, the cost of this coverage can quickly become exorbitant. If you’re considering a seven-night Disney cruise for a family of four that costs $10,000, for example, the cost of Disney cruise insurance would surge to $800. Therefore, a third-party insurance plan may be a better fit.

Is Disney travel insurance worth it?

Disney travel insurance is definitely worth it given how expensive it has become to travel to, stay at, and enter Disney parks. However, in most cases, third-party travel insurance will offer better coverage at more competitive prices than the official Disney travel insurance.

The official Disney Travel Protection plan is very expensive for what it offers. It’s also a rigid plan that cannot be tailored to the individual needs of the people on your trip. We recommend looking for better, more flexible plans through a third-party provider that can offer better coverage often at a lower price.

As we mentioned above, we believe the price of the Disney Travel Protection Plan only makes sense if you stay for a week or more, or if you have many children.

If you have purchased travel insurance you may be able to get a full refund for your Disney trip. This will depend on the travel insurance policy.

The official Disney Travel Protection plan only reimburses you if you cancel for a reason covered in the policy – this is typically for reasons out of your control.

However, other travel insurance plans can cover your Disney vacation just as well and often, offer cancel for any reason travel insurance (CFAR) – allowing you to cancel your vacation for any reason whatsoever and still be fully refunded.

Can I use Credit card travel insurance for my Disney World trip?

Many travel credit cards offer some travel insurance perks on a complimentary basis. Some even offer robust protection for trip cancellation and interruption, trip delays, lost or delayed baggage, and other travel mishaps that can occur during your trip.

That said, travel credit cards tend to come up short when it comes to offering protection for emergency medical expenses that occur during a trip. With that in mind, you should read over the credit card coverages you’re offered to see if policy limits are sufficient for your needs. If not, a comprehensive travel insurance policy can help you get the right amount of medical coverage for your Disney World vacation or cruise.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Travel Insurance

Learn more about how to purchase a travel protection plan for your next disney world resort vacation..

• Go to the bottom of any page of Disneyworld.com and select “My Plans”.
• Select “Change Reservation” next to your package reservation.
• Scroll down to see if your trip is eligible for a Travel Protection Plan—if it is, “Add” will be available; if it is not, “Add” will be unavailable.
• Select “Add” and follow the prompts.

You may also add the Travel Protection Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. However, due to a high volume of calls, you might experience delays. Guests under 18 years of age must have parent or guardian permission to call.

The Travel Protection Plan is designed for and is available to US residents. Please view your state’s specific terms, conditions and exclusions at www.affinitytravelcert.com/docs/DSP01 .

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a brief overview of the coverages, subject to terms, conditions and exclusions. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

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Stories and tips to get the most of your Disney Rewards

10 reasons to get the disney® premier visa® card.

Updated May 3, 2023 Originally published May 26, 2022

For fans looking to bring more Disney experiences and enchantment into their lives, the Disney Premier Visa Card provides so many opportunities to take your fandom to the next level with exclusive perks and Disney Rewards Dollars. 1 Plus, you can show off in style with fun card designs that will delight you every time you use the card. We’ve listed 10 benefits so you can discover all the Disney Premier Visa Card has to offer.

1. Receive a New Disney Premier Visa Cardmember Bonus

Here’s a warm welcome for new Cardmembers: you can earn a statement credit after making qualifying purchases within the first three months from opening your account. 2 Your statement credit can help offset the cost of exciting Disney experiences, from Disney movie tickets to gifts from shopDisney.com to vacations and more. (Read our article, 4 Fun Ways to Use Your New Cardmember Bonus , for ideas!)

2. Enjoy Special Vacation Financing

Cardmembers can use special vacation financing to book packages for Walt Disney World ® Resort, the Disneyland ® Resort, Disney Cruise Line and other U.S. Disney destinations. When you book select Disney travel packages with your Disney Premier Visa Card, you can take advantage of this special perk to make your dream getaway a reality. 3

3. Earn 2% in Disney Rewards Dollars on Everyday Purchases

The Disney Premier Visa Card allows you to earn 2% in Disney Rewards Dollars on everyday purchases at gas stations, grocery stores, restaurants and most Disney destinations. 4 Who knew you could pump up your Disney Rewards Dollars every time you pump gas when using your Disney Premier Visa Card?

4. Earn 5% in Disney Rewards Dollars on a Disney+ Subscription

Cardmembers earn 5% in Disney Rewards Dollars on purchases made with the Disney Premier Visa Card directly at DisneyPlus.com , Hulu.com or ESPNPlus.com . 4 This is a great way to boost your Disney Reward Dollars just by cozying up with your favorite movies and series at home.

5. Use Disney Rewards to Redeem Toward an Airline Statement Credit

Another great travel opportunity for Disney Premier Visa Cardmembers: Redeem Disney Rewards Dollars toward a statement credit for air travel. You can choose any destination on any airline, with no block-out dates. 5 Only a magic carpet could give you a more enchanting way to fly!

6. Redeem Toward a Dream Disney Vacation and More

How you choose to redeem your Disney Rewards Dollars toward Disney experiences is entirely up to your imagination! In addition to the airline statement credit mentioned above, you can also redeem toward Disney theme park tickets, dining at Disney restaurants, movie tickets and many other Disney experiences. 1 Learn more in our article 5 Insider Tips for Redeeming Disney Rewards Dollars .

7. Save 10% on Dining, Shopping and Recreation at Disney Parks

Want to unlock savings at restaurants, stores and experiences around the Disney parks? All you need is your Card. You can receive 10% off most meals, most days at select dining locations —from the breakfast buffet at Storytellers Café to a romantic dinner at Cítricos and many other delicious options when using your Disney Premier Visa Card. 6 7 You’ll also enjoy 10% off select merchandise purchases of $50 or more when shopping with the Disney Premier Visa Card at the theme parks. 6 8 And when you use your Card to book select recreational experiences, such as a horseback trail ride at Disney’s Fort Wilderness Resort & Campground, you’ll save 10%. 6 9

8. Enjoy Exclusive Disney Visa Cardmember Photo Op Locations

Creating lasting memories is one of the best parts of any Disney vacation. Cardmembers can go one step further with private photo locations at Walt Disney World ® Resort and Disneyland ® Resort. Just show your Card to enter and strike a pose with some of your favorite Disney Characters or to receive a complimentary Magic Shot, digitally enhanced with Characters appearing right next to you. 10

9. Save 10% on Select Purchases at shopDisney.com

Shopping online can be even more fun with this perk! Cardmembers save 10% on select purchases when using the Disney Premier Visa Card at shopDisney.com —perfect for treating a friend or family member (or yourself!) to a fun gift like a new pair of Mickey Mouse ears, a special collectible or a stylish spirit jersey. 11 There’s something for everyone.

10. Get Access to Limited-time Offers

Disney Premier Visa Cardmembers get access to unique limited-time offers , with new options added regularly. These include offers for travel, entertainment, shopping and more, so check out the official site for the most up-to-date information and possibilities.

If you’re interested in learning more about the benefits of the Disney Premier Visa Card and how to get your own, visit the Compare Cards page to get all of the details and apply today.

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NEW CARDMEMBERS CAN

EARN A $300

STATEMENT CREDIT

after spending $1000 on purchases in the first 3 mos. from account opening. 2

Member FDIC

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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

• Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
• Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
• Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
• Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
• Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
• Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

• Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
• Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
• Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
• Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

• What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
• Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
• What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

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The information for the Disney® Premier Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

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Mickey Mouse fans receive discounts and earn rewards with Disney using the Disney® Premier Visa® Card from Chase. Eligible purchases at restaurants, gas stations, grocery stores and select Disney locations earn 2% back in Disney Rewards Dollars. All other purchases get 1% back in rewards. New cardholders can earn a $300 statement credit after you spend $1000 on purchases in the first 3 months from account opening. The card has a $49 annual fee and offers benefits such as baggage delay insurance, extended warranty coverage and purchase protection.

Sign-up bonus: Cardholders who spend $1000 on purchases in the first 3 months from account opening will earn a $300 statement credit.

Discounts: You’ll receive a 10% discount when you use your Disney® Premier Visa® Card to make eligible purchases at Disney stores or shopDisney.com. You’ll also get a 10% discount on eligible merchandise purchases exceeding $50 or eligible dining purchases at select Disneyland and Walt Disney World Resorts.

Annual fee: The Disney® Premier Visa® Card charges a $49 annual fee.

No introductory APR: Although the Disney® Premier Visa® Card provides a 0% introductory APR on select Disney vacation packages purchased within six months of account opening, it does not offer an introductory rate on other purchases or balance transfers. The standard APR on purchases and balance transfers is 19.24% to 28.24% variable APR variable.

Limited redemption options: Rewards can only be redeemed for eligible Disney purchases or a statement credit toward airline travel.

• Rates and Fees
• Highlights from Issuer
• Issuer Name Chase
• Annual Fee $49
• Regular APR 19.24% - 28.24% Variable APR
• Penalty APR 29.99%
• Purchases Intro APR 0% introductory APR for six months on select Disney vacation packages
• Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater
• Cash Advance Fee Either $10 or 3% of the amount of each transaction, whichever is greater
• Foreign Transaction Fee 3% of each transaction in U.S. dollars

Disney® Premier Visa® Card Benefits

Benefits of the Disney® Premier Visa® Card include:

• Cardholder-exclusive character experiences
• Baggage delay insurance
• Discounts on eligible Disney purchases
• Extended warranty protection
• Purchase protection

Maximizing Rewards

Make the most of rewards with the Disney® Premier Visa® Card by using your card for purchases at gas stations, grocery stores, restaurants and eligible Disney locations, where you’ll earn 2% back in Disney Rewards Dollars. Earn 1% back in rewards on all other purchases. Rewards can be redeemed as a statement credit for airline travel or eligible Disney purchases, such as theme park tickets and resort stays. Plan to spend $1000 on purchases in the first 3 months from account opening if you want to get the card’s $300 statement credit welcome offer.

Comparisons to Other Cards

Disney® Premier Visa® Card vs. Citi Double Cash® Card

Annual fee: The Disney® Premier Visa® Card carries a $49 annual fee. The Citi Double Cash® Card charges an annual fee of $0 .

Rewards: Disney® Premier Visa® Card holders earn 2% back in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants and eligible Disney locations and 1% back on all other purchases. The Citi Double Cash® Card offers 1% cash back on purchases and an additional 1% cash back when you pay off your purchases.

Sign-up bonus: A $300 statement credit is available to Disney® Premier Visa® Card holders who spend $1000 on purchases in the first 3 months from account opening. With the Citi Double Cash® Card, earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back .

Benefits: The Disney® Premier Visa® Card provides benefits including baggage delay insurance, extended warranty protection, purchase protection and discounts on eligible Disney purchases. Citi Double Cash® Card benefits include identity theft support and exclusive access to event ticket sales.

Disney® Premier Visa® Card vs. Capital One Quicksilver Cash Rewards Credit Card

Annual fee: The Disney® Premier Visa® Card charges a $49 annual fee. The Capital One Quicksilver Cash Rewards Credit Card has an annual fee of $0 .

Rewards: Earn 2% back in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants and eligible Disney locations with the Disney® Premier Visa® Card. You'll receive 1% back in rewards on all other purchases. Capital One Quicksilver Cash Rewards Credit Card holders earn unlimited 1.5% cash back on every purchase.

Sign-up bonus: The Disney® Premier Visa® Card offers a $300 statement credit when you spend $1000 on purchases in the first 3 months from account opening. With the Capital One Quicksilver Cash Rewards Credit Card earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening .

Benefits: Receive baggage delay insurance, extended warranty protection, purchase protection and discounts on eligible Disney purchases with the Disney® Premier Visa® Card. The Capital One Quicksilver Cash Rewards Credit Card charges no foreign transaction fee and offers benefits such as 24-hour travel assistance services, extended warranty coverage and an auto rental collision damage waiver.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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• What are the Costco Visa travel benefits

What are the Travel Benefits of the Costco Anywhere Visa® Card by Citi?

Exclusively for Costco members, the Costco Anywhere Visa Card by Citi offers cash back on all purchases and additional cash back on categories such as eligible gas and EV charging, restaurants and eligible travel and purchases from Costco and Costco.com. Cardholders also enjoy access to Citi Entertainment ® .

These benefits and more can make the Costco Anywhere Visa a great card for travel. Let’s look at how it works.

Cash back rewards on travel

Cardholders earn unlimited 3% cash back at restaurants and eligible travel purchases. This can include airfare, hotel stays, car rentals, travel agencies, cruises and Costco travel.

Cardholders can also make the most of road trips and vacation car rentals with 4% cash back on eligible gas and EV charging transactions for the first $7,000 every year. After the first $7,000, cardholders continue to earn 1% cash back in these categories.

Other travel benefits

Cardholders can also get access to services and benefits like:

• Travel and emergency assistance
• Worldwide car rental insurance
• Travel accident insurance
• Roadside assistance dispatch service
• Zero foreign transaction fees 1

Terms, conditions and exclusions apply, please see here for more information.

These services and benefits help take the stress out of travel so you can enjoy a worry-free, relaxing vacation.

Access to Citi Entertainment

Citi Entertainment opens the door to popular experiences, such as concerts, sporting events and dining.

With the Costco Anywhere Visa Card by Citi, cardmembers can get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for some of the most anticipated concerts, sporting events and dining experiences.

Whether you want to attend a local event while on vacation or plan a trip around a concert, your Costco Anywhere Visa® Card by Citi can enhance your travel with special entertainment experiences.

1 Important Pricing & Information

Disclosure : This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

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Does My Chase Credit Card Have Travel Insurance?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Chase credit cards with travel insurance

How it works, terms and conditions, how to make a claim with chase, when to consider adding additional insurance to your trip, if you want to use chase credit card travel insurance.

Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards® , Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance . However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

Aer Lingus Visa Signature® Card .

Aeroplan® Credit Card .

Prime Visa .

British Airways Visa Signature® Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Freedom® Student credit card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Chase Slate Edge℠ .

Iberia Visa Signature® Card .

IHG One Rewards Premier Credit Card .

IHG One Rewards Premier Business Credit Card .

IHG One Rewards Traveler Credit Card .

Ink Business Cash® Credit Card .

Ink Business Plus® Credit Card.

Ink Business Preferred® Credit Card .

Ink Business Unlimited® Credit Card .

Marriott Bonvoy Bold® Credit Card .

Marriott Bonvoy Boundless® Credit Card .

Southwest® Rapid Rewards® Performance Business Credit Card .

Southwest Rapid Rewards® Plus Credit Card .

Southwest® Rapid Rewards® Premier Business Credit Card .

Southwest Rapid Rewards® Premier Credit Card .

Southwest Rapid Rewards® Priority Credit Card .

Starbucks® Rewards Visa® Card .

World of Hyatt Credit Card .

World of Hyatt Business Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

United℠ Business Card .

United℠ Explorer Card .

United Gateway℠ Card .

United Quest℠ Card .

» Learn more: The best travel credit cards right now

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

Trip delay insurance .

Trip cancellation insurance .

Trip interruption insurance .

Baggage insurance .

Rental car insurance .

Travel accident insurance.

Emergency medical and dental.

Emergency evacuation and transportation .

If you're already feeling overwhelmed by this new jargon, take a peek at our Beginner's Guide to Travel Insurance .

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

» Learn more: Best credit cards for travel insurance benefits

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve® , will provide superior coverage compared to others.

» Learn more: The NerdWallet guide to the Chase Sapphire Reserve® 's travel insurance benefits

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

If you're booking award travel, the taxes and fees you pay with your card will still qualify you for travel insurance.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card , your trip must have been delayed by one of these causes: Equipment failure, inclement weather , strike or hijacking/skyjacking.

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected] . You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

Charge receipt showing the airfare transaction was made on your account.

Receipts for your claimed delay expenses.

Copy of the settlement from the carrier and any other reimbursements made to you.

Your original itinerary.

A statement from the carrier indicating why you were delayed.

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan . This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses , including hospital treatment and extensive quarantine , would be a good idea.

» Learn more: Airline travel insurance vs. independent travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450 ) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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• Disney Cruise Line
• Disney Cruise Line Forum

Disney Visa travel insurance?...

• Thread starter Bsmitty
• Start date Apr 14, 2017

Mouseketeer

• Apr 14, 2017

Does anyone know if the Disney Visa offers any type of travel insurance? I know on another thread regarding travel insurance someone talked about their credit card offering something. We've migrated everything to our Disney Visa for those disney dollars. Just curious if any sort of insurance comes with or if anyone has experience with this. (Cruise bookings are on the Disney Visa...gotta love that 0% interest & getting all of those Disney bucks to put on the stateroom account.)  

The Disney Visa card does not offer travel insurance as part of the card perks. Some other Chase cards do. Enjoy your cruise!  

DIS Veteran

Bsmitty said: Does anyone know if the Disney Visa offers any type of travel insurance? I know on another thread regarding travel insurance someone talked about their credit card offering something. We've migrated everything to our Disney Visa for those disney dollars. Just curious if any sort of insurance comes with or if anyone has experience with this. (Cruise bookings are on the Disney Visa...gotta love that 0% interest & getting all of those Disney bucks to put on the stateroom account.) Click to expand...

Earning My Ears

• Apr 15, 2017

Disney Chase Visa card has less coverage & more limitations than our direct travel insurance provider--CSA Travel Protection. http://blog.csatravelprotection.com/index.php/why-credit-cards-arent-great-for-travel-insurance/ But call CSA for advice because they can be supplemental to your credit card's coverages. They advised us on when to buy and which coverages.  

• May 3, 2017

jrabbit said: @alanz I've worked in the insurance industry for 40 years - and I think this is the first time we've been described as "Tasted" or "Tasty" Click to expand...

• How much coverage do I really need? And then with the online quoting system: is that per person or total? Do you cover you airline tickets - because presumably, you will make it TO the airport LEAVING for your trip. What about the cost of Excursions - If you don't make it to the ship - will you still be charged for them? DCL say's "you can cancel up to 3 days prior to sailing" but if you don't make it to the ship will you really be charged (I don't know the answer to this).
• How much medical coverage do I want to purchase - AND - what about emergency medical evacuation - is that covered and for how much?
• Is the insurance company high "enough" rated (AM Best B+ should be more than sufficient)
• What to the people here and on cruise critic or other travel sights say is "good" trip insurance - word of mouth usually good indicator (but keep reading my post)
• What does their complaint history look like - check out the Better Business Bureau (or google search them for reviews). And remember, there WILL BE lots of complaints against any insurer of any size - read the complaints for "reasonableness" (look up "Snake Farm" - it's one of the many complaint sites for disgruntled State Farm insureds / claimants - and on the other hand I have friends and family that have had claims with them and I could not believe how much and how fast they paid - my company would have done a lot more investigation).
• Read the Contract, because after all insurance is just a promise: "You give us Money, We Cover your stuff", with LOTS and LOTS and LOTS of exceptions and rules. For example, if you buy insurance when you rent a car, part of the contract says that the coverage does not involve unlawful acts .... like wrecking the car while driving drunk (they won't pay). So Read the Contract to make sure that it seems to cover what you want it to cover. You might have to take some notes and cross check coverages / exclusions - I never said that reading an insurance contract would be easy!!

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Hotel Reservations – Frequently Asked Questions

What are the benefits of the Travel Protection Plan?

The Travel Protection Plan helps protect you and your family for unexpected covered losses from the moment that you step out of your front door until the moment you safely arrive back home. The Travel Protection Plan provides coverage if you cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package for covered reasons described in the plan such as illness or injury. If you cancel due to a covered reason, the Travel Protection Plan will provide a refund for the prepaid, nonrefundable travel package, including the cost of airfare that is scheduled for travel within 7 days of the travel package.

The Travel Protection Plan also provides coverage for covered losses while traveling, such as trip interruption, trip and baggage delays, baggage protection and medical expense protection (including emergency medical transportation). In addition, the Travel Protection Plan contains non-insurance services for 24-hour worldwide emergency assistance (provided by LiveTravel).

To view the terms, conditions and exclusions, visit: www.affinitytravelcert.com/docs/DSP01

If you have questions, please call (844) 203-3123 to speak with a representative from Aon Affinity, the program administrator.

You can purchase a Travel Protection Plan for eligible trips any time prior to final payment. To purchase the Travel Protection Plan when making a new reservation, select “Add Travel Protection” at the time of booking. To add the plan to an existing reservation:

• Go to the bottom of any page of Disneyworld.com and select “My Plans.”
• Select “Change Reservation” next to your package reservation.
• Scroll down to see if your trip is eligible for a Travel Protection Plan—if it is, “Add” will be available; if it is not, “Add” will be unavailable.
• Select “Add” and follow the prompts.

You may also add the Travel Protection Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. However, due to a high volume of calls, you might experience delays. Guests under 18 years of age must have parent or guardian permission to call.

Aon Affinity is the brand name for the brokerage and program administration of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. Aon Affinity Contact Information: 900 Stewart Ave #400, Garden City, NY 11530; 800-842-4084; [email protected]. As an MGA we are acting on behalf of our carrier partner, Arch Insurance Company (NAIC #11150). Arch Insurance Contact Information: 844-289-3443.

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. Assistance services are provided by the designated travel assistance company listed in your Travel Protection Plan. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

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