If your goal is to visit a Disney theme park in the coming months, we hope you’ve made your reservations. Disney hotels and parks can require booking far in advance, and you need the right insurance coverage to protect your investment, and your health. 

What Insurance Do I Need for a Disney Trip?

The right insurance for your Disney vacation depends on your situation. 

Trip Cancellation Insurance

If you’re a US resident traveling to a Disney theme park either within the USA or abroad and want insurance that covers your prepaid, nonrefundable travel expenses if your trip is cancelled, delayed, or interrupted, consider trip cancellation insurance. Also known as travel insurance, trip cancellation insurance is ideally suited for trips up to 30 days in length. 

Most trip cancellation insurance plans do offer emergency medical coverage, but primarily focus on helping you recoup the prepaid travel expenses you would not be refunded for if you had to cancel the trip for a reason that’s covered by the policy. Keep in mind that most trip cancellation insurance plans are only available to US residents, and can only be purchased prior to departure.

Do I Need to Have Insurance for My Disney Trip?

If you’re traveling domestically to a Disney Park in the USA, you may be able to rely on your existing domestic health insurance coverage if you need medical treatment, so long as there are providers in the area. However, domestic health insurance will not cover your prepaid, nonrefundable travel expenses if you have to cancel your trip for an unavoidable reason. This could be due to a death in the family, illness, severe weather, or a multitude of other reasons. Without trip cancellation coverage, you could be out the cost of your plane and theme park tickets, hotel reservation, and more. The right travel insurance plan can potentially save you thousands if your travel plans are dashed for a covered reason. 

Before you Go

We hope you have a wonderful time on your Disney vacation, free of incident, and with a smooth flight. However, if things don’t go as expected, make sure you have the right insurance in your corner. A relatively small investment in insurance can be the difference between a minor speedbump, and a big financial headache.