Completely happy Anniversary, EPCOT Middle and Magic Kingdom! On today in 1971 and 1982, the primary two Walt Disney World theme parks opened, plus the unique monorail resorts as a part of the ‘Trip Kingdom.’ However much more thrilling to the accountants, Disney’s new fiscal 12 months is right here!
The brand new fiscal 12 months means many issues. It ending meant the wrapping up of some promotions within the final week, together with the launch of 4 new particular gives yesterday as Disney aimed to juice quarterly bookings. And now, it implies that worth improve ‘season’ has arrived!
That is one thing we coated over the weekend in Act Quick to Beat Worth Will increase at Walt Disney World & Disneyland for 2025-2026, as these larger costs happen 12 months out and in on a constant and predictable schedule. However, at present’s worth improve on journey insurance coverage isn’t one we warned you about. Truthfully, it wasn’t even on my radar. Listed below are the complete particulars from Disney:
Disney Journey Safety Plan Worth Improve
Starting October 1, 2025, the Journey Safety Plan charges will modify for Walt Disney World Resort and Disneyland Resort. All present advantages, protection and insurance policies will stay the identical with this replace.
The up to date charges are $99 per grownup at Walt Disney World Resort and $89 per grownup at Disneyland Resort. As a reminder, all of those charges are inclusive of youngsters as much as age 17.
Costs final elevated in February 2023, at which level they went as much as $95 per grownup at Walt Disney World Resort, $85 per grownup at Disneyland Resort and $99 per grownup at Aulani, A Disney Resort & Spa. Accordingly, the up to date pricing displays ~$4 will increase for WDW and DLR.
It’s not identified whether or not this worth improve is being pushed by Disney or the third celebration that underwrites the coverage, Arch Insurance coverage Firm, and that larger worth is being handed alongside by Disney. The top outcome is similar, so it doesn’t matter within the grand scheme of issues, however we’re curious for the sake of making an attempt to determine whether or not we’re taking a look at extra worth will increase tomorrow, subsequent Wednesday (October 8, 2025) or someday in between.
Disney Journey Safety Plan Fundamentals
The Journey Safety Plan helps shield you and your loved ones for surprising coated losses from the second that you just step out of your entrance door till the second you safely arrive again dwelling. The Journey Safety Plan supplies protection if you happen to cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package deal for coated causes described within the plan comparable to sickness or damage.
Should you cancel on account of a coated cause, the Journey Safety Plan will present a refund for the pay as you go, nonrefundable journey package deal, together with the price of airfare that’s scheduled for journey inside 7 days of the journey package deal.
The Journey Safety Plan additionally supplies protection for coated losses whereas touring, comparable to journey interruption, journey and baggage delays, baggage safety and medical expense safety (together with emergency medical transportation). As well as, the Journey Safety Plan accommodates non-insurance providers for 24-hour worldwide emergency help (offered by LiveTravel).
You should purchase a Journey Safety Plan for eligible journeys any time previous to closing fee. To buy the Journey Safety Plan when making a brand new reservation, choose “Add Journey Safety” on the time of reserving. So as to add the plan to an current reservation:
- Go to the underside of any web page of Disneyworld.com and choose “My Plans”.
- Choose “Change Reservation” subsequent to your package deal reservation.
- Scroll all the way down to see in case your journey is eligible for a Journey Safety Plan—whether it is, “Add” shall be out there; if it isn’t, “Add” shall be unavailable.
- Choose “Add” and observe the prompts.
You might also add the Journey Safety Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. Nevertheless, on account of a excessive quantity of calls, you may expertise delays. Company beneath 18 years of age will need to have father or mother or guardian permission to name.
The Journey Safety Plan is designed for and is out there to US residents. Please view your state’s particular phrases, circumstances and exclusions at www.affinitytravelcert.com/docs/DSP01.
Our Commentary
Should you discuss to only about any journey agent, they are going to suggest the Disney Journey Safety Plan. Peruse the subject on social media or boards, and also you’ll discover the identical, with the consensus being that it’s a needed expense you hope finally ends up being a waste of cash–as a result of which means you didn’t want it.
That’s the simple and conservative recommendation, and it’d make sense for our commentary to easily regurgitate the identical. Nevertheless, I view that as reductionist, even whether it is secure recommendation that’s not essentially going to steer anybody incorrect. It’s type of like Dave Ramsey–strong foundational recommendation for the uninitiated, however not a lot for many who need to study extra and graduate past the fundamentals.
Once I obtained the alert concerning the Disney Journey Safety Plan worth improve, I dug into the DTB Archives, figuring: “certainly we’ve coated journey insurance coverage earlier than so I can re-share my extra nuanced ideas on it.”
Because it seems, we’ve got coated it a few instances. As soon as in quite a lot of storm season posts and one other with planning round potential COVID closures. Within the latter case, my normal perspective was that there was much less of a cause than typical to purchase insurance coverage, as journey service suppliers would probably loosen cancellation and refund insurance policies “if” the state of affairs deteriorates significantly and journey is interrupted inside the USA. (Narrator: it did deteriorate significantly.)
Even after ~15 years, this weblog nonetheless has blind spots in our protection. On this case, the rationale for this blind spot is as a result of we’ve bought the Journey Safety Plan for Walt Disney World or Disneyland precisely zero (0) instances. Accordingly, I’ve no firsthand expertise shopping for it, not to mention submitting claims.
As a normal matter, I’m not significantly danger averse. Though this has modified extra since having a daughter, my tolerance continues to be nicely above the baseline. Now we have bought third celebration journey insurance coverage up to now when going overseas, however that was just for month-plus journeys as a security internet. In these circumstances, we’ve bought insurance policies straight via an insurer, not an middleman. I can’t say we’ve even thought-about shopping for journey insurance coverage for any previous home journeys–simply not one thing that’s proper for us.
This isn’t a matter of recklessness, even if you happen to might imagine in any other case. There’s a cause why our checklist of the Greatest Credit score Playing cards for Journey begins with an emphatic advice to not use the Disney Visa: “It is a bank card we’ve got, however not one we use with regularity. We can’t stress sufficient that the Disney Visa is NOT the very best bank card for Walt Disney World or Disneyland, counterintuitive as which may appear.”
Truly, there are a number of causes we don’t actually use or suggest utilizing the Disney Visa. One among them is journey insurance coverage, or the shortage thereof.
When reserving journey, we virtually at all times use Chase Sapphire Reserve or American Categorical Platinum bank cards, both of which supply their very own variations of journey insurance coverage. As a normal matter, we additionally just like the customer support provided by each, as they act as shopper advocates (in our expertise) within the occasion of different chargebacks and claims. In these conditions, there’s much less of an incentive to disclaim claims and extra to proactively resolve points on their buyer’s behalf.
We’ve additionally submitted post-trip claims to each Chase and Amex through the years, and the method has been clean. We’ve accomplished the identical with a few airways straight, and that has labored out. Truthfully, it’s been so lengthy since we’ve needed to do any of this that I don’t actually keep in mind the specifics.
However I do know that figuring out your rights as a traveler and proactively advocating for your self is of paramount significance. Journey insurance coverage will help, but it surely’s often after the very fact through a declare. If in case you have flights that get cancelled or your journey is in any other case interrupted in a means that isn’t of your selecting, it’s essential that you just act as swiftly as potential to keep away from being stranded or incurring extra prices within the second. ( instance of the sort of state of affairs can be Southwest’s system-wide meltdown a pair years in the past that resulted in lots of vacationers being caught for a number of days whereas SWA dug out of the backlog.)
On this situation, one advice is to learn the U.S. Division of Transportation’s Shopper Information to Air Journey. Should you’re touring inside or from one other nation, do a fast Google seek for nation title + journey invoice of rights (or one thing like that). Many nations have imposed sure minimal airline necessities for compensation and addressing delays or cancellations.
For many of our personal journeys, bank card protections and particular person medical insurance present ample protection to us. Nevertheless, that is very a lot a ‘your mileage could range’ topic. You might worth the peace of thoughts, not have bank cards that provide journey insurance coverage, or need one other layer of safety. All of that’s utterly legitimate, and we’re not making an attempt to counsel in any other case!
Want Disney journey planning suggestions and complete recommendation? Make certain to learn Disney & Common Trip Planning Guides, the place you could find complete guides to Walt Disney World, Disneyland, Common Orlando & Hollywood, and past! For information & rumors, on-the-ground updates, low cost info, free downloads of our eBooks, and far more, join our FREE e mail e-newsletter!
YOUR THOUGHTS
Have you ever skilled any journey cancellations or delays whereas touring? Ever purchased or used the Disney Journey Safety Plan? Would you suggest it? Use different insurance coverage when touring? What’s your technique to cut back the chance of disruptions? Another suggestions or anecdotal recommendation/experiences for addressing and overcoming cancellations which may come up? Do you agree or disagree with our recommendation? Any questions we will help you reply? Listening to your suggestions–even while you disagree with us–is each attention-grabbing to us and useful to different readers, so please share your ideas beneath within the feedback!
Completely happy Anniversary, EPCOT Middle and Magic Kingdom! On today in 1971 and 1982, the primary two Walt Disney World theme parks opened, plus the unique monorail resorts as a part of the ‘Trip Kingdom.’ However much more thrilling to the accountants, Disney’s new fiscal 12 months is right here!
The brand new fiscal 12 months means many issues. It ending meant the wrapping up of some promotions within the final week, together with the launch of 4 new particular gives yesterday as Disney aimed to juice quarterly bookings. And now, it implies that worth improve ‘season’ has arrived!
That is one thing we coated over the weekend in Act Quick to Beat Worth Will increase at Walt Disney World & Disneyland for 2025-2026, as these larger costs happen 12 months out and in on a constant and predictable schedule. However, at present’s worth improve on journey insurance coverage isn’t one we warned you about. Truthfully, it wasn’t even on my radar. Listed below are the complete particulars from Disney:
Disney Journey Safety Plan Worth Improve
Starting October 1, 2025, the Journey Safety Plan charges will modify for Walt Disney World Resort and Disneyland Resort. All present advantages, protection and insurance policies will stay the identical with this replace.
The up to date charges are $99 per grownup at Walt Disney World Resort and $89 per grownup at Disneyland Resort. As a reminder, all of those charges are inclusive of youngsters as much as age 17.
Costs final elevated in February 2023, at which level they went as much as $95 per grownup at Walt Disney World Resort, $85 per grownup at Disneyland Resort and $99 per grownup at Aulani, A Disney Resort & Spa. Accordingly, the up to date pricing displays ~$4 will increase for WDW and DLR.
It’s not identified whether or not this worth improve is being pushed by Disney or the third celebration that underwrites the coverage, Arch Insurance coverage Firm, and that larger worth is being handed alongside by Disney. The top outcome is similar, so it doesn’t matter within the grand scheme of issues, however we’re curious for the sake of making an attempt to determine whether or not we’re taking a look at extra worth will increase tomorrow, subsequent Wednesday (October 8, 2025) or someday in between.
Disney Journey Safety Plan Fundamentals
The Journey Safety Plan helps shield you and your loved ones for surprising coated losses from the second that you just step out of your entrance door till the second you safely arrive again dwelling. The Journey Safety Plan supplies protection if you happen to cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package deal for coated causes described within the plan comparable to sickness or damage.
Should you cancel on account of a coated cause, the Journey Safety Plan will present a refund for the pay as you go, nonrefundable journey package deal, together with the price of airfare that’s scheduled for journey inside 7 days of the journey package deal.
The Journey Safety Plan additionally supplies protection for coated losses whereas touring, comparable to journey interruption, journey and baggage delays, baggage safety and medical expense safety (together with emergency medical transportation). As well as, the Journey Safety Plan accommodates non-insurance providers for 24-hour worldwide emergency help (offered by LiveTravel).
You should purchase a Journey Safety Plan for eligible journeys any time previous to closing fee. To buy the Journey Safety Plan when making a brand new reservation, choose “Add Journey Safety” on the time of reserving. So as to add the plan to an current reservation:
- Go to the underside of any web page of Disneyworld.com and choose “My Plans”.
- Choose “Change Reservation” subsequent to your package deal reservation.
- Scroll all the way down to see in case your journey is eligible for a Journey Safety Plan—whether it is, “Add” shall be out there; if it isn’t, “Add” shall be unavailable.
- Choose “Add” and observe the prompts.
You might also add the Journey Safety Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. Nevertheless, on account of a excessive quantity of calls, you may expertise delays. Company beneath 18 years of age will need to have father or mother or guardian permission to name.
The Journey Safety Plan is designed for and is out there to US residents. Please view your state’s particular phrases, circumstances and exclusions at www.affinitytravelcert.com/docs/DSP01.
Our Commentary
Should you discuss to only about any journey agent, they are going to suggest the Disney Journey Safety Plan. Peruse the subject on social media or boards, and also you’ll discover the identical, with the consensus being that it’s a needed expense you hope finally ends up being a waste of cash–as a result of which means you didn’t want it.
That’s the simple and conservative recommendation, and it’d make sense for our commentary to easily regurgitate the identical. Nevertheless, I view that as reductionist, even whether it is secure recommendation that’s not essentially going to steer anybody incorrect. It’s type of like Dave Ramsey–strong foundational recommendation for the uninitiated, however not a lot for many who need to study extra and graduate past the fundamentals.
Once I obtained the alert concerning the Disney Journey Safety Plan worth improve, I dug into the DTB Archives, figuring: “certainly we’ve coated journey insurance coverage earlier than so I can re-share my extra nuanced ideas on it.”
Because it seems, we’ve got coated it a few instances. As soon as in quite a lot of storm season posts and one other with planning round potential COVID closures. Within the latter case, my normal perspective was that there was much less of a cause than typical to purchase insurance coverage, as journey service suppliers would probably loosen cancellation and refund insurance policies “if” the state of affairs deteriorates significantly and journey is interrupted inside the USA. (Narrator: it did deteriorate significantly.)
Even after ~15 years, this weblog nonetheless has blind spots in our protection. On this case, the rationale for this blind spot is as a result of we’ve bought the Journey Safety Plan for Walt Disney World or Disneyland precisely zero (0) instances. Accordingly, I’ve no firsthand expertise shopping for it, not to mention submitting claims.
As a normal matter, I’m not significantly danger averse. Though this has modified extra since having a daughter, my tolerance continues to be nicely above the baseline. Now we have bought third celebration journey insurance coverage up to now when going overseas, however that was just for month-plus journeys as a security internet. In these circumstances, we’ve bought insurance policies straight via an insurer, not an middleman. I can’t say we’ve even thought-about shopping for journey insurance coverage for any previous home journeys–simply not one thing that’s proper for us.
This isn’t a matter of recklessness, even if you happen to might imagine in any other case. There’s a cause why our checklist of the Greatest Credit score Playing cards for Journey begins with an emphatic advice to not use the Disney Visa: “It is a bank card we’ve got, however not one we use with regularity. We can’t stress sufficient that the Disney Visa is NOT the very best bank card for Walt Disney World or Disneyland, counterintuitive as which may appear.”
Truly, there are a number of causes we don’t actually use or suggest utilizing the Disney Visa. One among them is journey insurance coverage, or the shortage thereof.
When reserving journey, we virtually at all times use Chase Sapphire Reserve or American Categorical Platinum bank cards, both of which supply their very own variations of journey insurance coverage. As a normal matter, we additionally just like the customer support provided by each, as they act as shopper advocates (in our expertise) within the occasion of different chargebacks and claims. In these conditions, there’s much less of an incentive to disclaim claims and extra to proactively resolve points on their buyer’s behalf.
We’ve additionally submitted post-trip claims to each Chase and Amex through the years, and the method has been clean. We’ve accomplished the identical with a few airways straight, and that has labored out. Truthfully, it’s been so lengthy since we’ve needed to do any of this that I don’t actually keep in mind the specifics.
However I do know that figuring out your rights as a traveler and proactively advocating for your self is of paramount significance. Journey insurance coverage will help, but it surely’s often after the very fact through a declare. If in case you have flights that get cancelled or your journey is in any other case interrupted in a means that isn’t of your selecting, it’s essential that you just act as swiftly as potential to keep away from being stranded or incurring extra prices within the second. ( instance of the sort of state of affairs can be Southwest’s system-wide meltdown a pair years in the past that resulted in lots of vacationers being caught for a number of days whereas SWA dug out of the backlog.)
On this situation, one advice is to learn the U.S. Division of Transportation’s Shopper Information to Air Journey. Should you’re touring inside or from one other nation, do a fast Google seek for nation title + journey invoice of rights (or one thing like that). Many nations have imposed sure minimal airline necessities for compensation and addressing delays or cancellations.
For many of our personal journeys, bank card protections and particular person medical insurance present ample protection to us. Nevertheless, that is very a lot a ‘your mileage could range’ topic. You might worth the peace of thoughts, not have bank cards that provide journey insurance coverage, or need one other layer of safety. All of that’s utterly legitimate, and we’re not making an attempt to counsel in any other case!
Want Disney journey planning suggestions and complete recommendation? Make certain to learn Disney & Common Trip Planning Guides, the place you could find complete guides to Walt Disney World, Disneyland, Common Orlando & Hollywood, and past! For information & rumors, on-the-ground updates, low cost info, free downloads of our eBooks, and far more, join our FREE e mail e-newsletter!
YOUR THOUGHTS
Have you ever skilled any journey cancellations or delays whereas touring? Ever purchased or used the Disney Journey Safety Plan? Would you suggest it? Use different insurance coverage when touring? What’s your technique to cut back the chance of disruptions? Another suggestions or anecdotal recommendation/experiences for addressing and overcoming cancellations which may come up? Do you agree or disagree with our recommendation? Any questions we will help you reply? Listening to your suggestions–even while you disagree with us–is each attention-grabbing to us and useful to different readers, so please share your ideas beneath within the feedback!
Completely happy Anniversary, EPCOT Middle and Magic Kingdom! On today in 1971 and 1982, the primary two Walt Disney World theme parks opened, plus the unique monorail resorts as a part of the ‘Trip Kingdom.’ However much more thrilling to the accountants, Disney’s new fiscal 12 months is right here!
The brand new fiscal 12 months means many issues. It ending meant the wrapping up of some promotions within the final week, together with the launch of 4 new particular gives yesterday as Disney aimed to juice quarterly bookings. And now, it implies that worth improve ‘season’ has arrived!
That is one thing we coated over the weekend in Act Quick to Beat Worth Will increase at Walt Disney World & Disneyland for 2025-2026, as these larger costs happen 12 months out and in on a constant and predictable schedule. However, at present’s worth improve on journey insurance coverage isn’t one we warned you about. Truthfully, it wasn’t even on my radar. Listed below are the complete particulars from Disney:
Disney Journey Safety Plan Worth Improve
Starting October 1, 2025, the Journey Safety Plan charges will modify for Walt Disney World Resort and Disneyland Resort. All present advantages, protection and insurance policies will stay the identical with this replace.
The up to date charges are $99 per grownup at Walt Disney World Resort and $89 per grownup at Disneyland Resort. As a reminder, all of those charges are inclusive of youngsters as much as age 17.
Costs final elevated in February 2023, at which level they went as much as $95 per grownup at Walt Disney World Resort, $85 per grownup at Disneyland Resort and $99 per grownup at Aulani, A Disney Resort & Spa. Accordingly, the up to date pricing displays ~$4 will increase for WDW and DLR.
It’s not identified whether or not this worth improve is being pushed by Disney or the third celebration that underwrites the coverage, Arch Insurance coverage Firm, and that larger worth is being handed alongside by Disney. The top outcome is similar, so it doesn’t matter within the grand scheme of issues, however we’re curious for the sake of making an attempt to determine whether or not we’re taking a look at extra worth will increase tomorrow, subsequent Wednesday (October 8, 2025) or someday in between.
Disney Journey Safety Plan Fundamentals
The Journey Safety Plan helps shield you and your loved ones for surprising coated losses from the second that you just step out of your entrance door till the second you safely arrive again dwelling. The Journey Safety Plan supplies protection if you happen to cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package deal for coated causes described within the plan comparable to sickness or damage.
Should you cancel on account of a coated cause, the Journey Safety Plan will present a refund for the pay as you go, nonrefundable journey package deal, together with the price of airfare that’s scheduled for journey inside 7 days of the journey package deal.
The Journey Safety Plan additionally supplies protection for coated losses whereas touring, comparable to journey interruption, journey and baggage delays, baggage safety and medical expense safety (together with emergency medical transportation). As well as, the Journey Safety Plan accommodates non-insurance providers for 24-hour worldwide emergency help (offered by LiveTravel).
You should purchase a Journey Safety Plan for eligible journeys any time previous to closing fee. To buy the Journey Safety Plan when making a brand new reservation, choose “Add Journey Safety” on the time of reserving. So as to add the plan to an current reservation:
- Go to the underside of any web page of Disneyworld.com and choose “My Plans”.
- Choose “Change Reservation” subsequent to your package deal reservation.
- Scroll all the way down to see in case your journey is eligible for a Journey Safety Plan—whether it is, “Add” shall be out there; if it isn’t, “Add” shall be unavailable.
- Choose “Add” and observe the prompts.
You might also add the Journey Safety Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. Nevertheless, on account of a excessive quantity of calls, you may expertise delays. Company beneath 18 years of age will need to have father or mother or guardian permission to name.
The Journey Safety Plan is designed for and is out there to US residents. Please view your state’s particular phrases, circumstances and exclusions at www.affinitytravelcert.com/docs/DSP01.
Our Commentary
Should you discuss to only about any journey agent, they are going to suggest the Disney Journey Safety Plan. Peruse the subject on social media or boards, and also you’ll discover the identical, with the consensus being that it’s a needed expense you hope finally ends up being a waste of cash–as a result of which means you didn’t want it.
That’s the simple and conservative recommendation, and it’d make sense for our commentary to easily regurgitate the identical. Nevertheless, I view that as reductionist, even whether it is secure recommendation that’s not essentially going to steer anybody incorrect. It’s type of like Dave Ramsey–strong foundational recommendation for the uninitiated, however not a lot for many who need to study extra and graduate past the fundamentals.
Once I obtained the alert concerning the Disney Journey Safety Plan worth improve, I dug into the DTB Archives, figuring: “certainly we’ve coated journey insurance coverage earlier than so I can re-share my extra nuanced ideas on it.”
Because it seems, we’ve got coated it a few instances. As soon as in quite a lot of storm season posts and one other with planning round potential COVID closures. Within the latter case, my normal perspective was that there was much less of a cause than typical to purchase insurance coverage, as journey service suppliers would probably loosen cancellation and refund insurance policies “if” the state of affairs deteriorates significantly and journey is interrupted inside the USA. (Narrator: it did deteriorate significantly.)
Even after ~15 years, this weblog nonetheless has blind spots in our protection. On this case, the rationale for this blind spot is as a result of we’ve bought the Journey Safety Plan for Walt Disney World or Disneyland precisely zero (0) instances. Accordingly, I’ve no firsthand expertise shopping for it, not to mention submitting claims.
As a normal matter, I’m not significantly danger averse. Though this has modified extra since having a daughter, my tolerance continues to be nicely above the baseline. Now we have bought third celebration journey insurance coverage up to now when going overseas, however that was just for month-plus journeys as a security internet. In these circumstances, we’ve bought insurance policies straight via an insurer, not an middleman. I can’t say we’ve even thought-about shopping for journey insurance coverage for any previous home journeys–simply not one thing that’s proper for us.
This isn’t a matter of recklessness, even if you happen to might imagine in any other case. There’s a cause why our checklist of the Greatest Credit score Playing cards for Journey begins with an emphatic advice to not use the Disney Visa: “It is a bank card we’ve got, however not one we use with regularity. We can’t stress sufficient that the Disney Visa is NOT the very best bank card for Walt Disney World or Disneyland, counterintuitive as which may appear.”
Truly, there are a number of causes we don’t actually use or suggest utilizing the Disney Visa. One among them is journey insurance coverage, or the shortage thereof.
When reserving journey, we virtually at all times use Chase Sapphire Reserve or American Categorical Platinum bank cards, both of which supply their very own variations of journey insurance coverage. As a normal matter, we additionally just like the customer support provided by each, as they act as shopper advocates (in our expertise) within the occasion of different chargebacks and claims. In these conditions, there’s much less of an incentive to disclaim claims and extra to proactively resolve points on their buyer’s behalf.
We’ve additionally submitted post-trip claims to each Chase and Amex through the years, and the method has been clean. We’ve accomplished the identical with a few airways straight, and that has labored out. Truthfully, it’s been so lengthy since we’ve needed to do any of this that I don’t actually keep in mind the specifics.
However I do know that figuring out your rights as a traveler and proactively advocating for your self is of paramount significance. Journey insurance coverage will help, but it surely’s often after the very fact through a declare. If in case you have flights that get cancelled or your journey is in any other case interrupted in a means that isn’t of your selecting, it’s essential that you just act as swiftly as potential to keep away from being stranded or incurring extra prices within the second. ( instance of the sort of state of affairs can be Southwest’s system-wide meltdown a pair years in the past that resulted in lots of vacationers being caught for a number of days whereas SWA dug out of the backlog.)
On this situation, one advice is to learn the U.S. Division of Transportation’s Shopper Information to Air Journey. Should you’re touring inside or from one other nation, do a fast Google seek for nation title + journey invoice of rights (or one thing like that). Many nations have imposed sure minimal airline necessities for compensation and addressing delays or cancellations.
For many of our personal journeys, bank card protections and particular person medical insurance present ample protection to us. Nevertheless, that is very a lot a ‘your mileage could range’ topic. You might worth the peace of thoughts, not have bank cards that provide journey insurance coverage, or need one other layer of safety. All of that’s utterly legitimate, and we’re not making an attempt to counsel in any other case!
Want Disney journey planning suggestions and complete recommendation? Make certain to learn Disney & Common Trip Planning Guides, the place you could find complete guides to Walt Disney World, Disneyland, Common Orlando & Hollywood, and past! For information & rumors, on-the-ground updates, low cost info, free downloads of our eBooks, and far more, join our FREE e mail e-newsletter!
YOUR THOUGHTS
Have you ever skilled any journey cancellations or delays whereas touring? Ever purchased or used the Disney Journey Safety Plan? Would you suggest it? Use different insurance coverage when touring? What’s your technique to cut back the chance of disruptions? Another suggestions or anecdotal recommendation/experiences for addressing and overcoming cancellations which may come up? Do you agree or disagree with our recommendation? Any questions we will help you reply? Listening to your suggestions–even while you disagree with us–is each attention-grabbing to us and useful to different readers, so please share your ideas beneath within the feedback!
Completely happy Anniversary, EPCOT Middle and Magic Kingdom! On today in 1971 and 1982, the primary two Walt Disney World theme parks opened, plus the unique monorail resorts as a part of the ‘Trip Kingdom.’ However much more thrilling to the accountants, Disney’s new fiscal 12 months is right here!
The brand new fiscal 12 months means many issues. It ending meant the wrapping up of some promotions within the final week, together with the launch of 4 new particular gives yesterday as Disney aimed to juice quarterly bookings. And now, it implies that worth improve ‘season’ has arrived!
That is one thing we coated over the weekend in Act Quick to Beat Worth Will increase at Walt Disney World & Disneyland for 2025-2026, as these larger costs happen 12 months out and in on a constant and predictable schedule. However, at present’s worth improve on journey insurance coverage isn’t one we warned you about. Truthfully, it wasn’t even on my radar. Listed below are the complete particulars from Disney:
Disney Journey Safety Plan Worth Improve
Starting October 1, 2025, the Journey Safety Plan charges will modify for Walt Disney World Resort and Disneyland Resort. All present advantages, protection and insurance policies will stay the identical with this replace.
The up to date charges are $99 per grownup at Walt Disney World Resort and $89 per grownup at Disneyland Resort. As a reminder, all of those charges are inclusive of youngsters as much as age 17.
Costs final elevated in February 2023, at which level they went as much as $95 per grownup at Walt Disney World Resort, $85 per grownup at Disneyland Resort and $99 per grownup at Aulani, A Disney Resort & Spa. Accordingly, the up to date pricing displays ~$4 will increase for WDW and DLR.
It’s not identified whether or not this worth improve is being pushed by Disney or the third celebration that underwrites the coverage, Arch Insurance coverage Firm, and that larger worth is being handed alongside by Disney. The top outcome is similar, so it doesn’t matter within the grand scheme of issues, however we’re curious for the sake of making an attempt to determine whether or not we’re taking a look at extra worth will increase tomorrow, subsequent Wednesday (October 8, 2025) or someday in between.
Disney Journey Safety Plan Fundamentals
The Journey Safety Plan helps shield you and your loved ones for surprising coated losses from the second that you just step out of your entrance door till the second you safely arrive again dwelling. The Journey Safety Plan supplies protection if you happen to cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package deal for coated causes described within the plan comparable to sickness or damage.
Should you cancel on account of a coated cause, the Journey Safety Plan will present a refund for the pay as you go, nonrefundable journey package deal, together with the price of airfare that’s scheduled for journey inside 7 days of the journey package deal.
The Journey Safety Plan additionally supplies protection for coated losses whereas touring, comparable to journey interruption, journey and baggage delays, baggage safety and medical expense safety (together with emergency medical transportation). As well as, the Journey Safety Plan accommodates non-insurance providers for 24-hour worldwide emergency help (offered by LiveTravel).
You should purchase a Journey Safety Plan for eligible journeys any time previous to closing fee. To buy the Journey Safety Plan when making a brand new reservation, choose “Add Journey Safety” on the time of reserving. So as to add the plan to an current reservation:
- Go to the underside of any web page of Disneyworld.com and choose “My Plans”.
- Choose “Change Reservation” subsequent to your package deal reservation.
- Scroll all the way down to see in case your journey is eligible for a Journey Safety Plan—whether it is, “Add” shall be out there; if it isn’t, “Add” shall be unavailable.
- Choose “Add” and observe the prompts.
You might also add the Journey Safety Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. Nevertheless, on account of a excessive quantity of calls, you may expertise delays. Company beneath 18 years of age will need to have father or mother or guardian permission to name.
The Journey Safety Plan is designed for and is out there to US residents. Please view your state’s particular phrases, circumstances and exclusions at www.affinitytravelcert.com/docs/DSP01.
Our Commentary
Should you discuss to only about any journey agent, they are going to suggest the Disney Journey Safety Plan. Peruse the subject on social media or boards, and also you’ll discover the identical, with the consensus being that it’s a needed expense you hope finally ends up being a waste of cash–as a result of which means you didn’t want it.
That’s the simple and conservative recommendation, and it’d make sense for our commentary to easily regurgitate the identical. Nevertheless, I view that as reductionist, even whether it is secure recommendation that’s not essentially going to steer anybody incorrect. It’s type of like Dave Ramsey–strong foundational recommendation for the uninitiated, however not a lot for many who need to study extra and graduate past the fundamentals.
Once I obtained the alert concerning the Disney Journey Safety Plan worth improve, I dug into the DTB Archives, figuring: “certainly we’ve coated journey insurance coverage earlier than so I can re-share my extra nuanced ideas on it.”
Because it seems, we’ve got coated it a few instances. As soon as in quite a lot of storm season posts and one other with planning round potential COVID closures. Within the latter case, my normal perspective was that there was much less of a cause than typical to purchase insurance coverage, as journey service suppliers would probably loosen cancellation and refund insurance policies “if” the state of affairs deteriorates significantly and journey is interrupted inside the USA. (Narrator: it did deteriorate significantly.)
Even after ~15 years, this weblog nonetheless has blind spots in our protection. On this case, the rationale for this blind spot is as a result of we’ve bought the Journey Safety Plan for Walt Disney World or Disneyland precisely zero (0) instances. Accordingly, I’ve no firsthand expertise shopping for it, not to mention submitting claims.
As a normal matter, I’m not significantly danger averse. Though this has modified extra since having a daughter, my tolerance continues to be nicely above the baseline. Now we have bought third celebration journey insurance coverage up to now when going overseas, however that was just for month-plus journeys as a security internet. In these circumstances, we’ve bought insurance policies straight via an insurer, not an middleman. I can’t say we’ve even thought-about shopping for journey insurance coverage for any previous home journeys–simply not one thing that’s proper for us.
This isn’t a matter of recklessness, even if you happen to might imagine in any other case. There’s a cause why our checklist of the Greatest Credit score Playing cards for Journey begins with an emphatic advice to not use the Disney Visa: “It is a bank card we’ve got, however not one we use with regularity. We can’t stress sufficient that the Disney Visa is NOT the very best bank card for Walt Disney World or Disneyland, counterintuitive as which may appear.”
Truly, there are a number of causes we don’t actually use or suggest utilizing the Disney Visa. One among them is journey insurance coverage, or the shortage thereof.
When reserving journey, we virtually at all times use Chase Sapphire Reserve or American Categorical Platinum bank cards, both of which supply their very own variations of journey insurance coverage. As a normal matter, we additionally just like the customer support provided by each, as they act as shopper advocates (in our expertise) within the occasion of different chargebacks and claims. In these conditions, there’s much less of an incentive to disclaim claims and extra to proactively resolve points on their buyer’s behalf.
We’ve additionally submitted post-trip claims to each Chase and Amex through the years, and the method has been clean. We’ve accomplished the identical with a few airways straight, and that has labored out. Truthfully, it’s been so lengthy since we’ve needed to do any of this that I don’t actually keep in mind the specifics.
However I do know that figuring out your rights as a traveler and proactively advocating for your self is of paramount significance. Journey insurance coverage will help, but it surely’s often after the very fact through a declare. If in case you have flights that get cancelled or your journey is in any other case interrupted in a means that isn’t of your selecting, it’s essential that you just act as swiftly as potential to keep away from being stranded or incurring extra prices within the second. ( instance of the sort of state of affairs can be Southwest’s system-wide meltdown a pair years in the past that resulted in lots of vacationers being caught for a number of days whereas SWA dug out of the backlog.)
On this situation, one advice is to learn the U.S. Division of Transportation’s Shopper Information to Air Journey. Should you’re touring inside or from one other nation, do a fast Google seek for nation title + journey invoice of rights (or one thing like that). Many nations have imposed sure minimal airline necessities for compensation and addressing delays or cancellations.
For many of our personal journeys, bank card protections and particular person medical insurance present ample protection to us. Nevertheless, that is very a lot a ‘your mileage could range’ topic. You might worth the peace of thoughts, not have bank cards that provide journey insurance coverage, or need one other layer of safety. All of that’s utterly legitimate, and we’re not making an attempt to counsel in any other case!
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YOUR THOUGHTS
Have you ever skilled any journey cancellations or delays whereas touring? Ever purchased or used the Disney Journey Safety Plan? Would you suggest it? Use different insurance coverage when touring? What’s your technique to cut back the chance of disruptions? Another suggestions or anecdotal recommendation/experiences for addressing and overcoming cancellations which may come up? Do you agree or disagree with our recommendation? Any questions we will help you reply? Listening to your suggestions–even while you disagree with us–is each attention-grabbing to us and useful to different readers, so please share your ideas beneath within the feedback!
