Well, now, that's tricky. If you need to choose a date well in advance, the earlier you book the cheaper it is. If you are last minute (within 6-8 weeks) flexible, then there are often deals, especially where they select your room category.
1:06pm on 12/1/25 by
Jennyhirsch
As a family of 5, we've found 2 connecting rooms that sleep 4 works well and lets us spread out, as each stateroom has a split bathroom. Loads of space for toiletries.
1:09pm on 12/1/25 by
Jennyhirsch
If kids are adult/old teenagers, you can always give them an interior (cheaper) stateroom while you guys get a balcony room. DCL doesnt care who sleeps where. So put 2 people in the pricier room with 3 people in cheap room but sleep wherever.
1:12pm on 12/1/25 by
Jennyhirsch
Generally booking direct yourself costs the same as a travel agent. Although travel agents have expertise, will keep track of key dates, and might offer some incentives. If you book with Costco for price, Costco becomes the travel agent.
1:44pm on 12/1/25 by
TumbleMonkeys
Can you not purchase insurance separately when booking through a travel agent/Costco? Booked with Disney, but We did not do insurance through Disney. We went with Allianz because it was cheaper and we could do it for different parts of trip.
2:29pm on 12/1/25 by
MrsNesbitt05
You can definitely get it separately. You can also add Disney's travel protection (through Aon) when booking with an agent. Not sure re Costco.
2:33pm on 12/1/25 by
TumbleMonkeys
Have booked several with Costco no issues. Get a secondary travel insurance if that makes sense in your case. I tend to book a lot of travel independently so am pretty comfortable with this. Hard to beat the Costco card incentive!
2:47pm on 12/1/25 by
Bootsie13
You can book excursions on your own on the website or app. Have even booked independent excursions for significantly less.
2:49pm on 12/1/25 by
Bootsie13
I book with small world vacations and they gave me a 250 gift card. They offer insurance but I never get it. I feel it's a waste of money.
2:57pm on 12/1/25 by
WorldTraveler34
To save $2000 I'd book with Costco! You can always add insurance.
3:51pm on 12/1/25 by
evamarie320
$2K cheaper seems like an awful lot, don't usually see discounts that drastic for DCL. I'd double check that it's for the same stateroom category.
6:35pm on 12/1/25 by
njhyndman
@world, I think you just jinxed yourself.... !!
10:29pm on 12/1/25 by
LaurenInWonderland