mom with kids; two girls
  • On Jul 7, 2025
    Greta from KY Asked Please note that experiences, policies, pricing and other offerings are subject to change and may have changed since the date of this answer.

    What exactly does travel insurance cover? I got sick on a previous visit and was in the hospital and never even thought to use it. Does it cover flights? Or extend nights if flights get delayed?

    Hi Greta,

    Welcome to planDisney! I’m so glad you reached out, and I’m sorry to hear that your last visit to The Most Magical Place on Earth didn’t go quite as planned. Being in the hospital during a Disney trip is not the kind of magic anyone hopes for. But we’re going to let it go and plan a vacation so magical it’ll make the last one feel like a distant memory.

    Travel insurance can offer peace of mind when it comes to unexpected hiccups like illness, travel delays, or emergencies. When added to a Walt Disney World vacation package, the plan is administered by Arch Insurance Solutions and offers a variety of coverages. While I can’t speak to your specific past situation, the plan generally includes trip cancellation or interruption coverage, reimbursement for certain medical expenses, and even benefits related to delayed or canceled flights. If your return flight is delayed due to something covered under the plan, in some cases, you may be reimbursed for additional lodging and meal expenses.

    That said, I always encourage folks to do their own research and review the full terms and conditions. You’ll want to be sure you understand exactly what’s included, and more importantly, what’s not. I’m just a Disney-loving realtor from the nation’s capital, not an insurance expert, so your best bet is to read through the policy details on the Disney Travel Insurance FAQ page and the Disney Parks - Arch Insurance Solutions coverage guide. If you’ve already purchased travel insurance for a future trip or are thinking about adding it, you can also call the provider directly to ask specific questions based on your travel plans.

    And when it comes to planning that next visit, I’d love to help however I can. Need help deciding which Disney Resorts Collection hotel is right for you? Looking for my favorite dining experiences or advice on how to spend a relaxing non-park day? Curious about how to make the most of the Lightning Lane Multi Pass system? Whatever questions you have, I’m here and more than happy to help you turn the page and plan a trip that brings the magic back.

    See you real soon!
    Brent
thumbnail image for Brent

Meet the Panelist: Brent, Maryland

Welcome to planDisney! I'm Brent, a husband, father, coach, and dog dad from Annapolis, MD, with a mind on a permanent Disney vacation! I specialize in crafting unforgettable trips to the Walt Disney World Resort but when it's my turn to vacation, you can catch me indulging in the food options of EPCOT's World Showcase, ascending Disney Mountains, and lounging poolside at Stormalong Bay with a delicious treat from Beaches & Cream Soda Shop! Learn More About Brent

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