Originally Posted By CMDad Ever wonder if travel insurance is worth it? I just got paid for my entire 4 days of being stranded in WDW at The Boardwalk when my flight was cancelled due to Hurricane Irene! Wound up not costing me a cent.
Originally Posted By Disneymom443 I've done it once before, and yes it did pay off for us. We were refunded for one day because of bad weather. The bad weather was on my side not Fl.
Originally Posted By seafairy1622 I get it every time I go. In 2009 my son came down with poison oak 2 days before we left. He is allergic to it so his face swells up. We had to change our reservation dates and change my flight that was a non refundable flight but because of trip insurance we got the money back from the flight and the $200 cancelation fee for changing our reservations 2 days before we left. You just never know what will happen.
Originally Posted By RoadTrip I never have and have never needed it... I've been lucky. Airlines will let you re-schedule without a fee when flights are canceled due to weather. Almost any hotel will let you cancel a reservation by 6 PM on the day you were scheduled to arrive. Since I no longer travel with young children the chance of having to delay a vacation due to illness is minimized. I figure over the long run I am better off assuming the risk myself than buying travel insurance. I can certainly understand those who feel differently though. It depends on your own situation and what type of risk you are willing and able to assume on your own. I never buy warranty plans on appliances and electronics either... I figure if the companies weren't making money on the policies they wouldn't offer them... I know over time I will come out ahead, even if I have an occasional problem. That is especially true with electronic items where the price of a plan frequently is 25% or more of the purchase price.
Originally Posted By sjhym333 I also never buy travel insurance, though I have heard from several people that it would be a good idea for a cruise since cruise lines are notorious for their poor customer service when there are problems. We try to fly Jetblue whenever we fly. We have always found their customer service to be outstanding. Last year when our flight was delayed because of weather (which they obviously had no control over) they rebooked us onto the earliest flight out PLUS gave us a nice credit on our True Blue account that basically gave us a free flight in the future...all without even asking for anything. Appliance warranties are not worth the money. You are basically gambling that your item will be the one that breaks down within the warranty period. Today most electronics will outlive the warranty if it is treated properly. Companies make a ton of money of extended warranties.
Originally Posted By danyoung I never use it. The type of problems I might have (work rescheduling, mostly) aren't covered by the insurance. With all due respect to CMDad, it's really a rare thing that weather is going to adversely affect a vacation to the extent that you'd have to cancel.
Originally Posted By vbdad55 I have never taken it either for the reasons Danny said- lots of things that would cause me to have to alter plans ( namely work) is not covered. Also if I had to return to work( and this has happened once already)- I would just leave my family there to enjoy- everyone doesn;t have to suffer. now remember I don not have as much at stake financially because my hotel is not cash ( per se) it is points. as for the weather- the only time it really affected us was we got there in themiddle of a tropical depression. The first 3 days of the vacation were crappy- but they were still vacation- we made the best of it.. but I could see where someone would use the insurance..just not for me
Originally Posted By elene I've never bought the travel insurance and thankfully have never needed it. My parents do a lot of overseas trips and they are now in their 70s so they do buy it for those trips since they are less predictable than a trip to WDW!
Originally Posted By mickeymeg We always do, making sure there is medical insurance as part of it. Not being American, if there was ever any need for medical services while in the US we would be in big trouble without it. So far we have been lucky and never needed it, but to us it is worth the cost just in case.
Originally Posted By Liberty Belle I've always bought it - as Mickeymeg said, not being American, it's not worth the risk. (I never get it for domestic trips.) Plus, my Dad owns an insurance company so I've been brought up to always get insurance! Glad it paid off for you, CMDad. I claimed for something worth about $100 a few years ago on a WDW trip, can't for the life of me think what it was right now. And when I was 8 and on a family trip to Europe we were robbed on a sleeper train and they took everything except our passports, so it was definitely a good thing we had insurance on that trip.
Originally Posted By Princessjenn5795 I always get it for foreign travel, and I get it for our Disney park trips, because they are so expensive and I wouldn't want to loose my money if something came up. I haven't gotten it for any other domestic trips though.
Originally Posted By davewasbaloo I am always covered by my bank. I have a cool account that gives me a 2 year extended warranty on products, motor vehicle break down cover, cell phone insurance and travel insurance for work and pleasure. Having been stuck at DLP for 9/11, robbed on the transsiberian railway, in Germany during reunification, an explosion in Scotland, had an accident where a part of my ear came off in Germany, lost luggage in Morocco, missed work flights due to traffic, and been snowed in, it has been a god send. And in the current climate, many firms are going bust.
Originally Posted By Disney Joy I havent' got it on regular trips BUT the one Disney Cruise I did. I think I will always pay for it on a Cruise.
Originally Posted By Labuda I've not yet bothered with it other than for my $10K WDW honeymoon (what the HECK was I thinking? LOL), but based on reading this thread, I'm going to go for it whenever I talk Matt into a cruise.
Originally Posted By disney pete yeah we get it all the time sometimes it pays sometimes it doesnt,it didnt when we went to get married in Florida due to the icelandic volcano our insurers ever payed out
Originally Posted By standor I book my travels with AAA and always get their insurance. In the 90s in February we booked the sports hotel and my son came down with a serious eye problem and we had to cancel the trip. We got all of our money back in less than a week. He recovered and in May of that year we booked another trip. For just a few more dollars we were able to get Dixie Landing( now Port Orleans Riverside). We stayed for 10 days and had a wonderful time.
