Vacation Insurance

Question:

What advise can you give me about the cost of trip insurance?

Answer:

Vacation Insurance is available in many different forms and is a great idea to protect your investment in case of unforeseen circumstances. The most common plan our agency deals with is Vacation Insurance for Walt Disney World Packages. The plan includes the following coverage and benefits, subject to certain exclusions and limitations:

• Trip Cancellation/Interruption (up to $10,000 maximum), including coverage for nonrefundable unused prepaid airfare purchased through Walt Disney Travel Company, a Travel Agent, or directly by guest, for covered reasons such as:
  • Employee termination or layoff through no fault of your own after the effective date of coverage if you are an active employee with same employer for at least 1 year
  • Called into active military duty, having military leave revoked or being reassigned within 10 days of departure date
  • A disabling illness, injury or death causing trip to be cancelled
  • Hurricane or inclement weather causing complete cessation of travel services at the point of departure and/or destination
• Trip Delay ($600/6 hour minimum)
• Baggage Delay ($500 maximum)
• Loss of Baggage/Personal Effects ($2,000 maximum)
• Medical Expenses ($20,000 maximum)
• Emergency Medical Transportation ($20,000)
• Accidental Death & Dismemberment (AD&D) ($25,000 maximum)
• 24-hour Emergency Travel Assistance (non-insurance services provided by Travel Guard Assist)\

Although vacation insurance includes coverage for loss of personal effects (as well as medical and other expenses), this coverage may already be included in your homeowner’s (or other insurance) policies.

Insurance coverage must be purchased no later than the final payment date or with payment of non-refundable air tickets. Vacation insurance is non-refundable once deposit has been received.

The price of this coverage is currently at $66.95 per adult (children under 17 are covered for free).

Kip Dennis, Navigator

*Vacation Insurance Costs and Coverage may change at any time.