Welcome to planDisney David!
While I do not know how the cost of the
Vacation Protection Plan is calculated, I do know that the exact cost of it is clearly stated during the booking process. The quote to add the plan is shown, and you may accept or decline the coverage.
It is totally up to you whether or not to purchase the travel insurance. Please read through the details of the coverage to make sure it is what you are expecting, especially the "Cancel for any reason." Scroll to the bottom of the
information page for details.
If you have any questions about adding on the Vacation Protection Plan,
give a call to a friendly Disney Cruise Line agent who will be happy to explain the plan in detail.
Best wishes for a magical cruise as you sail with Captains Mickey and Minnie and their amazing crew. They can't wait to see you onboard real soon!
Cathy