How to Plan a Disney Cruise - Payment

All Disney Cruise date and payment information are based on January 2020 Disney information.  They are subject to change at any time for any reason and for any Castaway Club level.  ALWAYS VERFIFY with Disney or your Travel Agent your final payment date.  If you miss your final payment date your Disney Cruise will be canceled and there is no way to get it back. (without paying current prices which will be much higher)

Disney Cruise Deposit

Disney requires a deposit at the time you book a Disney Cruise.  Typically it is 20% of the cruise price.  If you book a Disney Cruise while already on a Disney Cruise the deposit amount will typically be less.  Disney also occasionally has reduced cruise deposit specials. (link to WISH specials page)

Disney Cruise deposits are fully refundable before final payment date and since Disney Cruise prices are much, much cheaper the day they go on sail to the public it makes sense to put down a deposit on any Disney Cruise you are interested in.

Making Payments

While final payment is typically due 120 days in advance, (see below for exceptions) a Disney Cruise is very expensive and it makes sense to make continuous payments from deposit date up until final payment date.  If you are using a Travel Agent you will need to contact them to make payment otherwise you call Disney Cruise Line direct. 

You can pay with Credit Card (The Disney Visa gives you some perks), Disney gift card, or debit card.  You can also send checks to Disney but we do not recommend this.

Final Payment

Every cruise will have a final payment date.  We give the typical dates in this article and elsewhere BUT it is always subject to change.  It is critical you know when your final payment date is.  If you are not paid in full by the final payment date your cruise will automatically be canceled. Your Travel Agent should remind you but to prevent mistakes it is important you are aware of this date

Some of the Castaway Club levels can make their final payment later then other levels HOWEVER you can not book excursions for cabanas until final payment is made so plan to make your final payment by the date you are allowed to book excursions.

Final payment only includes the Disney Cruise price.  Excursions and other activities are paid onboard.

90 Days before cruise final payment date

  • Disney Cruises 5 days or less
  • Concierge/Suites

120 Days before cruise final payment date

  • Disney Cruises 6 days or more

Cruise Cancellation Fees

As of January 2020

Cruises 1 to 5 Nights (Excluding Suites and Concierge Staterooms)  

Days Prior to Vacation
Commencement Date
 
Fee Amount 
 89-45 Days  Deposit per Guest
 44-30 days   50% of vacation price per Guest
 29-15 days  75% of vacation price per Guest
 14 days or less   100% of vacation price per Guest

Cruises of 6 Nights or More (Excluding Suites and Concierge Staterooms)

Days Prior to Vacation
Commencement Date
 
Fee Amount 
 119-56 Days  Deposit per Guest
 55-30 days    50% of vacation price per Guest
 29-15 days   75% of vacation price per Guest
 14 days or less   100% of vacation price per Guest
 

Suite and Concierge Staterooms: All Sailing 

Days Prior to Vacation
Commencement Date
 
Fee Amount 
 90 days or more  Deposit per Guest
 89-56 days  50% of vacation price per Guest
 55-30    75% of vacation price per Guest
 29 days or less   100% of vacation price per Guest

If you purchased Air through Disney please contact your Travel Agent or Disney about cancellation fees

Paying for everything else

You are only required to pay for the Disney Cruise sailing price upfront.  All other fees you pay while on your cruise are charged to your stateroom.

Some of these charges are:

  • Excursions
  • Dining & Room Host tips
  • Alcohol
  • Palo and other premium restaurants
  • Bingo
  • Shopping on the ship

These charges can add up and you might consider prepaying most of them.  You can make any amount of payments to your on-board account prior to the cruise.  Any over payments will be refunded back to the method your used to pay for them.


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