Disney Cruise Line Vacation Protection Plan

The Disney Cruise Line Vacation Protection Plan covers your family for certain unexpected circumstances and emergencies—both before and during your vacation. 

This plan includes travel insurance benefits underwritten by Arch Insurance Company and a 24 hour helpline.

Cancel For Any Reason - Non-Insurance Feature Provided by Disney Cruise Line

Receive a future cruise credit up to 75% of the cancellation fee amount to apply toward a future Disney Cruise Line sailing if you need to cancel for any reason not covered by the insurance portion of the plan. Credits are valid for one year from issue date, are not transferable, and have no cash value. Certain restrictions apply. This benefit is provided by Disney Cruise Line.

Travel Insurance - Underwritten by Arch Insurance Company

The insurer will reimburse up to the following limits:

BenefitCoverage Details
Trip Cancellation and Trip InterruptionUp to total trip cost ($10,000 limit) if you cancel or interrupt due to sickness, injury, death and other covered reasons
Trip DelayUp to $500 if your cruise vacation is delayed for 12+ hours due to carrier-caused delays—including weather, unannounced strike and more
Accident/Sickness MedicalUp to $10,000 to cover medical treatment, hospitalization and more if you become sick or injured on your cruise vacation
Emergency Medical Evacuation/Repatriation      Up to $30,000 to cover emergency medical transport
Baggage LossUp to $3,000 to cover loss, theft or damage to your bags or personal possessions
Baggage DelayUp to $500 to cover the purchase of necessary items if your bags are delayed for  24+ hours


Worldwide Emergency Assistance Services—Non-Insurance Services Provided by On Call International

Enjoy 24/7 global assistance during your trip, provided by On Call International. Services include:

  • CareFree Travel Assistance
  • Medical Assistance
  • Emergency Services

How to Purchase Vacation Protection

The plan may be added to your reservation as an option to your online cruise reservation, by requesting it with your Travel Agent or by calling (800) 951-3532. Vacation Protection is available up until final payment has been made to Disney Cruise Line.

Important Information

  • View specific Terms, Conditions, and Exclusions
  • This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip.
  • You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages.  You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. 
  • This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner’s insurance policy, personal liability insurance policy or other source of coverage.
  • Purchasing travel insurance is not required in order to purchase any other products or services offered by Disney Cruise Line
  • Plan may not be available in all jurisdictions.
  • Payment for the Vacation Protection Plan must be made by final payment.
  • The coverage goes into effect on the day the final vacation payment is received by Disney Cruise Line.

Restrictions for the Cancel For Any Reason Feature

  • The Cancel For Any Reason cruise credit feature is equal to 75% of the non-refundable cancellation fee imposed by Disney for your use toward a future cruise.
  • Credits are valid for one year from issue date, are not transferrable, and have no cash value.
  • To be eligible for credits, notification of cancellation must be given to Disney Cruise Line prior to the ship’s departure and a cancellation claim must be filed with Aon Berkely.
  • If the credit is applied to a cruise booking of lesser value, the credit will be considered used, and the difference will not be carried forward or redeemed for cash. Credit may not be used toward deposit.
  • If, after credit is applied to a booking, that booking is cancelled, the credit will not be carried forward to any other booking.
  • Credit is non-commissionable to travel agents.
  • Residents of Minnesota, Missouri and New York are not required to purchase the Disney Cruise Line Protection in order to access the cancel for any reason credit feature. Please contact 1-888-722-2195 for details.

The Disney Cruise Line Vacation Protection Plan is underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150) under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.

† Guests under 18 years of age must have their parent or guardian's permission to call this number. DSY_041118B

  • For assistance with your Disney Cruise, please call (800) 951-3532.
  • Monday through Friday, 8:00 AM to 10:00 PM Eastern time; Saturday and Sunday, 9:00 AM to 8:00 PM Eastern time.
    Guests under 18 years of age must have parent or guardian permission to call.
Footer Links