Disney’s standard travel insurance is a garden-variety “named perils” policy with relatively low coverage levels. (For example, $25,000 for car rental collisions would not cover most rental cars if you totaled the vehicle.)
That said, Disney has a generous refund policy for vacation packages. It has also lifted penalties for last-minute cancellations because of the coronavirus. But if you’re booking ahead, for a post-pandemic vacation, what insurance do you really need?
The key is to look at what will be refunded if you cancel, or places where you’ll already have coverage. If non-refundable amounts are relatively small, you don’t need travel insurance.
For example, take lost luggage. Airlines are notorious for losing checked luggage—after they’ve had the gall to charge you for it, too—which can quickly ruin your Disney dream vacation. But most travel credit cards with fees of $95 or more offer trip protection such as trip delay and lost baggage reimbursement.
If your suitcases will contain mainly t-shirts and shorts, you may not consider it a huge potential loss that has to be insured.
If you anticipate large, non-refundable deposits, those can be insured with travel insurance. “Any prepaid, nonrefundable trip expenses can be insured,” says Kasara Barto, a spokesperson for Squaremouth, a travel insurance site.
Read the full Forbes article online here: https://www.forbes.com/advisor/travel-insurance/disney-world/