If you read the How to Plan a Disney Cruise - Payment article you now realize that you have to pay for your Disney Cruise up to 120 days in advance and that the cancellation fees are severe between that time and your cruise. DisneyMouseLinks and Wish Upon A Star Cruises Travel Agency highly recommends some type of insurance to help offset the investment of your Disney Cruise Vacation in case the worst happens.
Cruise Insurance can range from "cancel for any reason" to only being able to cancel in certain situations such as a medical emergency and death in the family. Some will cover travel delays that might force you to miss your sail date but not all of them. Most policies not only cover the cruise cost but also other events that can affect your vacation. Some examples are: Trip Delay, medical expenses, baggage loss or delay. A very cruise specific situation is being evacuated off the ship for a medical reason. That could cost 10s of thousands.
The following is for informational purposes only. It is not expected to replace you reading any travel insurance policy yourself to ensure it covers what you expect it to cover.
Disney Cruise Line Insurance (as of January 2020)
Disney offers their own cruise insurance underwritten by Arch Insurance Company. The cost of the insurance is based on the cost of your Disney Cruise. In addition to the coverage by the insurance policy Disney Cruise Line insurance provides to following benefit:
Cancel for any reason and receive up to 75% of the cancellation fee NOT COVERED by the insurance company to be used for a future cruise. The credit is valid for one year from issue date and are not transferable.
Disney Travel Insurance benefits provide by Arch Insurance Company
Trip cancellation or Interruption
Up to total trip cost ($10,000 limit) if you cancel or interrupt due to sickness, injury, death or other covered reasons.
Trip Delay
Up to $500 if your Disney Cruise is delayed for 12+ hours due to carrier-caused delays… including weather or an unannounced strike.
Accident/Sickness Medical
Up to $10,000 to cover medical or hospital treatment if you become sick or injured on your cruise vacation.
Emergency Medical Evacuation/Repatriation
Up to $30,000 to cover emergency medical transport.
Baggage Loss
Up to $3,000 to cover loss, theft or damage to your bags or personal possessions.
Baggage Delay
Up to $500 to cover the purchase of necessary items if your bags are delayed more than 23 hours
Worldwide Emergency Assistance Services – Non-Insurance Services Provided by Live Travel
Enjoy 24/7 global assistance during your trip provided by Live Travel
- Carefree Travel Assistance
- Medical Assistance
- Emergency Services
Your Disney Cruise Line travel insurance can be added on to your reservation by your Travel Agent or by calling Disney at:
US/Canada – 1-877-303-5909
Outside US/Canada – Call collect 1-516-342-4594
You must purchase your Disney Cruise Line travel insurance BEFORE your final payment date
Other Non-Disney Cruise Line Travel Insurance
There are other insurance companies outside of Disney that cover cruises; often for less with better benefits. Travel Guard is one of the most recommended companies.
Many credit cards also offer travel insurance if you purchase your cruise using their card.
It is important to thoroughly read your insurance terms and conditions before purchasing your policy.