Disney Trip Cost Calculation

Disney Trip Cost: How to Properly Insure a Disney Vacation

Calculating total trip cost for a Disney vacation is easy. Here’s how to estimate expenses & add insurance to your Disney travel package.

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Calculating Disney Trip Cost

Planning a trip to Disney for the first time is stressful. I know from first-hand experience. Tons of questions are floating through my mind about whether or not we should stay on property. I also have to consider if we should invest in the meal plan as well as which flights will be the best for my youngest’s nap schedule. It can be overwhelming at times. When I think about the amount of money my family is going to invest and Disney trip cost, I get a little queasy.

Because I work for InsureMyTrip, I always knew I would get travel insurance for a Disney trip. I do this for every “big” trip my family takes these days. However, unlike other trips, I wasn’t positive on which expenses I could insure with a plan. I tallied up my family’s Disney trip cost thinking, “Is this really my insurable trip cost?”

Most likely, the first time you tally your “total” trip cost for a trip to Disney, it won’t be the same amount you’ll be able to insure. When purchasing a travel insurance plan, you’ll only be able to cover pre-paid, non-refundable costs. When I was looking at my list of expenses for this Disney trip, even I didn’t know what I should include when quoting a travel insurance plan. So I did a little research to find out exactly how to measure the insurable Disney trip cost.

Disney Trip Cost, Refundable Items & Change Limitations

After a quick call with Disney’s reservations representatives, I got a better understanding of what’s refundable. I also learned the time frames of acceptable changes/cancellation. Here’s what I found out for travelers investing in a Disney Vacation Package:

  • You have up to 30 days prior to arrival at Disney to cancel your trip
  • Modifications to your trip (change hotel, change dates or meal plan) within 30 days of departure are subject to a $50 change fee.
  • Canceling your trip within the 30-day window of departure is subject to a $200 penalty.
  • If you cancel on or after your day of arrival, you forfeit the full amount of your trip.

What does this mean to a travel insurance professional? GET A TRAVEL INSURANCE PLAN! The cost of a trip to Disney is getting more and more expensive. (Seriously, they are increasing their ticket prices again in 2017.) Why risk the possibility of losing the money you invested in your yearly family vacation?

This information also shed light on what may be considered “insurable” and what isn’t. Below I’ve outlined the travel expenses you’ll most likely have when booking a trip to Disney and how they fit into your “pre-paid, non-refundable” trip cost to mark when quoting a travel insurance plan.

Disney Package Cost Calculation Should Include Total Amount

As noted above, there comes a point in time when you will no longer be able to get a refund for your Disney Vacation Package. Because of this, include the total amount when insuring your Disney vacation. It’s important to note, however, that if you do cancel within the windows that provide refunds with fees, your travel insurance reimbursement may only include the amount of the fee. You are not able to receive reimbursement for refundable costs. However, if your family comes into a situation the day of your arrival to Disney that prevents you from making the trip, or part of the trip, you’ll be glad you have insured the total cost of the Package.

Flight Cost Can be Included

I rarely add airline costs to my travel insurance plan, because I typically fly on airlines that provide refunds and no cancellation fees. However, if you are traveling on an airline with a non-refundable ticket or does include cancellation fees, you will want to add to your travel insurance plan. If you are unsure which type of ticket you purchased, call your airline or review your reservation.

Rental Car Cost Can be Included

Much like various airlines, rental car companies have different policies for cancellation. If the car rental company you chose has a no-refund policy for pre-paid rentals or a cancellation fee associated, you’ll want to include this expense on your travel insurance plan. However, if you aren’t paying until you pick up the car or the rental is refundable with no cancellation fee, you shouldn’t add it to your plan.

Additional Entertainment Can be Included

Orlando is a fun place with so much more to offer than Disney World.  Likewise, Anaheim can offer a lot to a family vacation off of Disney grounds. Planning to attend any amusement parks, baseball games, or shows on your vacation? If these fees aren’t included in your Disney Vacation Package, you should double check whether you could receive a refund. If they are non-refundable and you have an invoice dated prior to your departure, you can add these costs to your total trip cost when buying a travel insurance plan for your Disney trip.

What If You Add to Your Disney Trip Cost After Purchasing a Plan?

Don’t worry! You can increase your total trip cost after you’ve purchased a plan. Sometimes it may increase the premium on the plan. But it can be handled expertly by one of our licensed travel insurance representatives! This is an added benefit of purchasing from InsureMyTrip! Just give us a call at 1-800-487-4722 and let us know you’d like to increase your trip cost. Just note, it could increase your premium.


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