Yes, indeed! I'm not wealthy enough to risk that amount of money with erratic flights and other causes of last-minute cancellations. I don't travel with small children any more, but you can bet that they WILL get sick on day 3-4 after a flight and MK.
9:11am on 11/8/25 by
Ali Ababwa
I only got trip insurance leaving the US and on cruise ships. I got it once for my momma when she rented DVC points for a 12 person trip but otherwise I don't for Disney.
9:25am on 11/8/25 by
popupcamper
Also, I can't count the number of WDW guests I see who neglect insurance on the assumption that Disney will "make it right" if something goes wrong on their vacation. That would be a very foolish assumption, IMO.
9:26am on 11/8/25 by
Ali Ababwa
My kids have never once gotten sick on vacation.
9:26am on 11/8/25 by
popupcamper
9:26am on 11/8/25 by
popupcamper
100%. Paid off last year when everyone got sick with GI virus the night before we were scheduled to leave. Switched flights, got extra night in hotel ($$$), telemed urgent care visits and meds, all covered.
9:35am on 11/8/25 by
56arlene
We haven't often gotten ill with contagious illness at WDW, but DD broke her leg at a WDW resort, and I've been splattered with vomit from kids in queues. It's the unexpected that you insure against.
9:42am on 11/8/25 by
Ali Ababwa
Absolutely. Because you just never know. Rather have and not need than need and not have.
10:07am on 11/8/25 by
UndeadMonkey
I used to only insure international trips. But for the past few years I've gotten a yearly policy that will cover any trips in the year. Thru Allianz. Got caught up in the crowd strike worldwide shutdown in Rome. Claims process w Allianz was not great.
10:44am on 11/8/25 by
evamarie320
But most people rave about them. I tried to do it all online but if I had to do it again I'd speak with a human.
10:45am on 11/8/25 by
evamarie320
I love Allianz. Sorry you had that experience. Also have the yearly policy and add on for international trips. Never had to use domestically.
2:30pm on 11/8/25 by
Magicalday2011
I do when I rent DVC points. Last year I had a very seamless experience with Allaniz when I got sick and had to cancel a trip. IMO worth it at a certain price point (for me, it's around $3-4k).
2:41pm on 11/8/25 by
BlastThatPeterPan
I have heard that if you buy insurance after the government closure it won't cover due to flight cancels. Anyone know if this is true.
10:37pm on 11/8/25 by
JodiF
Never bought insurance for 50+ trips, then I broke my leg. Husband got Covid. And then some. We have an annual policy now that we hope to never use! Makes sense insurance wouldn't cover govt shutdown. So much uncertainty.
11:11pm on 11/8/25 by
Rhondak0000