Disney World Vacation Package Discounts

LAST UPDATE: 8/29/19

Walt Disney World vacation package discounts are slightly less common than discounts on individual components (room, tickets, food), but there are good vacation package discounts to be had, and this page covers them all.

A “vacation package” for Disney World includes a room at an official Disney resort, plus either tickets or a dining plan or both. Disney World packages are popular because they offer convenience and simplicity, but sometimes you can save more creating your own “package” by buying tickets, hotel and food separately. Disney Vacation Package discounts are not always available for all future dates, and are released just 3-5 months in advance, so it’s a good idea to start your search early and keep checking back to see if package discounts have been released for the time frame you want.

Not sure which resort to pick for your Disney vacation package? Read about the various Disney resort types and our recommendations for the best values in each category.

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Is a Disney Vacation Package For You?

A Disney vacation package has traditionally included two key things: a hotel room and park tickets. (A hotel room by itself is not a package – it’s called a “room-only” reservation.) You can also add a pre-paid dining plan to any package. There is also a “ticketless” package that includes a dining plan but no tickets. The “ticketless” package is not available online; you need to book it with a travel agent or over the phone with Disney.

A lot of people like Disney’s vacation packages because they are convenient and worry-free. You get everything you need (except airfare) with one purchase. However, it is important to note that the standard full-price Disney vacation packages are designed for convenience rather than savings. In most cases you will not automatically get a discount by purchasing a package! It can be cheaper to book a “room only” reservation (ideally with a discount) and then buy the package components (tickets, meals, etc) separately.

When Disney offers package discounts, usually they are calculated as a discount on the hotel portion of the package and are identical to a room-only discount offered at the same time; the tickets and dining plan are charged at full price. However, Disney sometimes offers exclusive promotional package discounts, particularly in the off-season, that do not have any room-only equivalent, where you get a discount on dining instead of (or in addition to) a hotel discount. Disney World packages have rules about advance payment, cancellations and changes that are usually much more restrictive than those associated with “room only” reservations. If you’re not sure about whether to buy a package vs. just booking your room and tickets separately, read our information on the pros and cons of vacation packages vs. room-only reservations to help you decide.

It can be difficult to sort out what is best for your particular situation. That’s why we think it’s a good idea to have someone knowledgeable on your side, making sure all the details are covered. Our advice is this: if you want to book a Walt Disney World vacation package, we strongly recommend using a travel agent who specializes in Disney travel. It costs you nothing, and you can sit back, relax, and have all the vacation planning and hassle taken care of by someone else.

If you think you’d rather buy the various parts separately, take a look at our Disney World Resort Discounts page, where we cover room-only discounts on Disney hotels. You may also want to look over our recommendations for the best hotels near Walt Disney World. And of course you should visit our Walt Disney World ticket discount pages, and read our tips on saving money on food and drink.

Vacation Package Features & Options

Disney World vacation packages change every year. In most years, only a few minor things change, such as the list of shops and restaurants that provide coupons and discounts to package buyers. Occasionally there will be more extensive changes; when there are, we list them below.

The specific package you get is based on your checkin date. So if you check in any time between January 1 and December 31, 2019, you will get the 2019 package benefits and pricing for your whole stay, even if the stay extends into 2020.

2020 Package Changes

Very little changed for 2020. There are a few different store & restaurant discount coupons, but otherwise the benefits are the same. The dining plan prices went up about 3%-5%, depending on the plan. And of course hotel prices went up, as they do every year. We’re currently compiling the hotel prices and will have complete 2020 hotel price charts in a day or two.

Current Package Options

Thanks to Small World Vacations for info.

  • To book a Disney World vacation package, we recommend filling out a quote form with Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Our Value Recommendations

The first thing you need to bear in mind is that Disney REALLY wants you to stay for at least 5 nights/6 days. For that reason, the tickets included in your package are heavily discounted on longer (5 to 10 day) stays. Remember that tickets are usually the biggest single expense in your package, and 7 day tickets cost only a little more than 4 day tickets. So live it up — price out the longer vacation and you’ll probably be surprised how little the extra cost will be.

For most people who buy a vacation package, the plain Resort Hotel Package (no dining) or the Resort Hotel Package Plus Disney Dining Plan will be the best value.

There is a daily, per-person cost to add the regular Disney Dining Plan to a basic package (current prices can be found on the dining plan page). With the regular Dining Plan you’ll get a table service meal, a counter service meal and two snacks each day.

The Disney Dining Plan is not an inherently great deal. It’s possible to save a little vs. paying cash, but most families would need to use all of the included benefits and order only the most expensive items on the menu at every meal. One big exception: if you have children 9 or under and plan to visit a lot of buffets (half your table-service meals or more), you’ll probably save money without really having to work at it, as Disney’s child buffet prices are very high compared to other meals. Otherwise at best it’s a break-even proposition. Adding the Dining Plan to your package does allow you to prepay all or most of your food expenses (except for tips and extras like appetizers), and frees each person to order whatever they want without worrying about the price. If that sounds like an enhancement to your vacation, then a dining plan may be a good choice. Read our view on the pros and cons of the Dining Plan.

If your family isn’t into table-service dining, there is the Quick Service Dining Plan. The Quick Service Dining Plan is generally not a good value. You will be lucky to break even vs. just paying cash for your meals and snacks, and the Quick Service Dining Plan is not particularly flexible, since there’s no way to spend the meal credits on table service, buffets, or a bunch of smaller kiosk restaurants. We don’t recommend it as a money-saving strategy, but again you have to evaluate whether pre-paying for all your food is worth it to you.

The Deluxe Dining Plan is really luxurious, but for the average family it is also serious overkill. First of all, eating the included three full table-service meals a day is just too much for most people. But if you’re like us, you’ll feel compelled to eat all those darn meals, because you’re paying for them! It’s really intended for folks who want the ultimate in pre-paid meal flexibility and don’t mind paying for it.

Ultimate Disney Christmas Package

A limited number of Ultimate Disney Christmas Packages are available to book for those looking to have a very special Christmas celebration at Walt Disney World.

This package includes a 5-night stay from December 21-26, 2019 at select Moderate, Deluxe and Deluxe Villa Disney Resort Hotels; 4-day tickets with Park Hopper option and the following exclusive holiday experiences:*

*This offer excludes: campsites, 3 bedroom villas, Cabins at Copper Creek, Villas & Cabins at Wilderness Lodge and Bungalows at Polynesian Villas and Bungalows. This offer cannot be combined with any other discount or promotion.

Offer expires 10/26/19. There are a very limited number of these packages available.

Thanks to Small World Vacations for info.

  • To book an Ultimate Disney Christmas Package, we recommend requesting a quote from Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Free Dining Package Offer

Get a FREE Disney Dining Plan when you book a minimum 4-night stay at select official Walt Disney World resorts, plus a minimum 4-day Park Hopper ticket. Check-in must be on a date in the range 9/1/19 – 9/18/19, 11/17/19 – 11/27/19 or 12/8/19 – 12/23/19.

You get the FREE dining plan for your entire stay (up to 14 days) as long as your check-in day falls within one of the valid periods. If you want to check in before the plan starts but your trip extends into a valid period at least 4 nights, you may be able to split your stay into two bookings and get this offer for the later part of your stay. You can get a different offer for the first part, if that first part qualifies for a different offer. If the two bookings are in the same resort and room type, you can usually link the bookings so you’ll stay in the same room, but keep in mind that the FREE dining plan won’t start until the second section, and you might end up having to buy two separate tickets to cover the two sections, which could wipe out much of the savings.

If your stay is in Deluxe or Deluxe Villa resort, you get a FREE standard Disney Dining Plan. If your stay is in a Moderate or Value resort, you get a FREE Quick Service Dining Plan. You can upgrade to a higher-level plan, including the Deluxe Dining Plan, by paying the difference in price between the higher-level plan and the plan that is included. There is no discount on the upgrade cost.

This is always the most popular offer of the year, so it can be very hard to get, especially if you want to go on popular dates. To help out, we’ve pulled together everything we know about booking Free Dining into a handy Guide to Booking Free Dining at Walt Disney World.

While it’s always great to get something FREE, keep in mind that this package requires purchasing the room and tickets at full price. Depending on your party size, mix of adults and children and food preferences, you may end up being financially better off getting a percent-off room discount. Be sure to try your booking both ways to see the price difference.

Offer excludes Fort Wilderness Campsites, Port Orleans – Riverside, Port Orleans – French Quarter, Villas at Grand Floridian, Cabins at Copper Creek Villas & Cabins, Bungalows at Polynesian Villas & Bungalows, Little Mermaid rooms at Art of Animation and 3-bedroom villas. As with all Disney promotional discounts, some resorts, room types and date combinations will not be available. It’s important to be flexible if you want to book a discounted room.

Book by 9/29/19.

Thanks to Small World Vacations for info.

  • To book the Free Dining Package Offer, we recommend requesting a quote from Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Fall & Holiday Package Offer

Get up to 20% off the room portion of a package at a Walt Disney World resort that includes either a minimum 2-day ticket or Disney dining plan or both. Offer only available for dates between 9/1/19 and 12/24/19. Weekend (Fri-Sat) dates between 9/29/19 – 11/14/19 are “blacked out” and have 0% discount, but are still considered valid days. Your stay can include some of these blacked out dates and still qualify for discounts on the other days. There is no minimum stay length. You can also book this as a room-only offer.

To qualify for this discount, you must check in on a valid date in the given range. Your stay can extend past the end of the valid range or can cross a “blacked out” weekend, but you will get no discount for the dates beyond the end of the range or in “blacked out” dates. If you want to begin your stay before 9/1/19, you can probably split your stay into two parts and get this offer for the second section that comes after 9/1/19. You can get a different offer for the first section, if one covers those dates.

There is also a “Festive Family Fun” package offer, that is just the same offer with a different marketing approach. The price ends up the same if you select the same options.

Sample discounts (just for the room portion) off normal 2019 Disney World room rates:

Offer excludes Fort Wilderness Campsites, Villas at Grand Floridian, Cabins at Copper Creek Villas & Cabins, Bungalows at Polynesian Villas & Bungalows and 3-bedroom villas. As with all Disney promotional discounts, some resorts, room types and date combinations will not be available. It’s important to be flexible if you want to book a discounted room.

Book by 12/24/19.

Thanks to Small World Vacations for info.

  • To book the Fall & Holiday Package Offer, we recommend requesting a quote from Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

My First Disney Getaway Package Offer

Get a few extras when you book a 2-night stay in a standard room at an All-Star resort with a 2-day ticket. The advertised price is $999 for two adults and one child (ages 3-9). Presumably other combinations of guests can book this package for different prices, but it is only good for 2-night stays, and includes only a special 2-day ticket (see below). The offer only includes stays that check in on a Sunday through Wednesay night between August 11 and September 25.

The package includes:

If you price out all the components, it comes out to a very small extra discount, assuming you want the stroller rentals and the items in the gift bag. Just booking the room and a 2-day ticket for two adults and one child with the Summer Room offer comes out a little under $999, so this is worth considering if you should happen to want to stay exactly two nights at an All-Star resort, go to Magic Kingdom and Animal Kingdom, and need in-park stroller rentals, or if your dates don’t qualify for a percent-off room discount.

Offer excludes Villas at Grand Floridian, Bungalows at Polynesian Villas & Bungalows, Little Mermaid rooms at Art of Animation and 3-bedroom villas. As with all Disney promotional discounts, some resorts, room types and date combinations will not be available. It’s important to be flexible if you want to book a discounted room.

Book by 9/24/19.

Thanks to Small World Vacations for info.

  • To book the My First Disney Getaway Package Offer, we recommend filling out a quote form with Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Disney Visa Late Summer Package Offer

Disney Visa cardholders get up to 35% off the room portion of a package at select official Walt Disney World resorts for most dates 7/15/19 – 9/28/19. There is no minimum stay required in general, but some popular room types may have a minimum stay length to be eligible for the discount. You can also book this as a room-only offer.

Sample discounts (just for the room portion) off normal 2019 Disney World room rates:

As with all Disney promotional discounts, some resorts, room types and date combinations will not be available. It’s important to be flexible if you want to book a discounted room.

Payment for room must be made with a Disney Visa card, and cardholder must stay in room.

Book by 9/28/19.

Thanks to Small World Vacations for info.

  • To book the Disney Visa Late Summer Package Offer, we recommend filling out a quote form with Small World Vacations. They give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Annual Passholder Packages

Annual Passholder Packages are vacation packages that have a room and dining plan but no tickets (since annual passholders obviously don’t need tickets). They can be booked any time, and when Passholder “room only” discounts are available, those discounts apply to the room portion of a passholder package. The Dining Plans are always full price and these packages are never eligible for “Free” dining, or other packages that involve reduced-price Dining Plan like “Stay, Play & Dine.” These bookings are subject to regular Walt Disney Travel Company package rules. Annual passholder packages can only be booked through a travel agent or via calling the Disney Reservation Center; they are not available online.

Thanks to Small World Vacations for info.

  • To book an Annual Passholder Package, we recommend filling out a quote form with Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Ticketless Packages with Dining Plan

Ticketless Packages with Dining are vacation packages that include a room and dining plan but no tickets. They are just like the Annual Passholder Packages, above, except that they don’t include the Annual Passholder room discounts. They can be booked any time, and when “room only” discounts are available, those discounts apply to the room portion of these packages. The Dining Plans are always full price and these packages are never eligible for “Free” dining, or other packages that involve reduced-price Dining Plan like “Stay, Play & Dine.” These bookings are subject to regular Walt Disney Travel Company package rules. Ticketless packages can only be booked through a travel agent or via calling the Disney Reservation Center; they are not available online.

Thanks to Small World Vacations for info.

  • To book a Ticketless Package, we recommend filling out a quote form with Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we recommend them wholeheartedly! Also, Small World is offering a FREE TouringPlans.com subscription to US residents, when you book a 2019 package valued at $2000 or more.
  • Why book with a travel agent? We find that the overall experience is better booking a package through a good full-service agency than direct with Disney, and the extra service costs you nothing; their prices are identical to Disney’s, including all package discounts. Booking packages, especially discounted packages, often involves comparing many different booking options to see which gets you the best deal, and that’s one of the many things the best travel agents are great at doing.

Bounceback Package Offer

“Bounceback” vacation package offers are offers made by Disney ONLY to guests who are currently staying at one of the official Walt Disney World resorts. The idea is to encourage you to “bounce back” to Disney World by planning your next vacation right now. These offers are not always available and could end at any time.

When a bounceback vacation package offer is available, you may be able to book a discounted vacation package (accommodations plus at least a 1-day Base Ticket) for a stay on selected dates at a Walt Disney World resort. Not all dates are offered, and not all resorts and room types will be included.

To qualify, the reservation for your next vacation must be made before you check out, and there are no exceptions made. You must call the number provided (usually on a flyer in your room) and pay a $200 deposit when booking.

If you don’t get a bounceback offer on a flyer in your room, the resort TV channel may be showing this offer, or you may receive an email from Disney during your stay. Your best bet is to dial x8844 from your room phone and ask them if there are any current offers. You can also try asking the front desk and/or Housekeeping for a flyer. They do not usually know what the current bounceback offers are or how to book them, but they may know where a flyer can be found.

Package Promotions with Small World Vacations

Small World Vacations frequently offers nice Disney World vacation package promotions exclusively for MouseSavers Newsletter readers. Be sure to sign up for out FREE monthly email newsletter so you’ll hear about the latest offers!

UK Resident Packages

The Disney specialist travel agency we recommend, Small World Vacations, gladly works with clients around the globe. They have many clients from the UK and Ireland. Unfortunately they cannot book UK-specific offers, but sometimes the American offers are a better deal. It’s also worth noting that the US vacation package offers have much more advantageous cancellation and change policies than the UK holiday package offers.

Canadian Resident Packages

Canadian residents can book the US offers listed above. The Disney specialist travel agency we recommend, Small World Vacations, gladly works with clients around the globe. They have many clients from Canada.

In addition, you can visit Walt Disney World’s Canadian website and select the Special Offers tab to see any current deals specific to Canadians, but most of the time the offers are the same as those distributed in the US. Sometimes the Canadian offer will have a different discount code, but otherwise it will be identical to the US offer. If we learn of any specials for Canadians only, they are listed below. Small World Vacations can book most Canadian packages as long as you are traveling at least 45 days from the date of booking.

Online Travel Agencies

Online Travel Agencies (OTAs) such as Expedia, Travelocity, Orbitz, etc. typically cannot book Disney Vacation Packages, which means they can’t book any of Disney’s special package discounts like Stay, Play, and Dine or Free Dining, and they can’t book packages with the Disney Dining Plans at all. They can be a good way to book a room-only discount, if they are offering some kind of discount code or coupon of their own that stacks on top of Disney’s own discounts. If not, they will typically have the same room rates as Disney.

All of the OTAs have what they call “packages,” but they’re just bundles they’ve put together of travel components they handle, like flights, hotels, rental car, tickets, etc. They generally are not discounted very much (or at all) over and above buying the individual components, and most often you’ll find better discounts on rental cars, airfare and Disney World tickets through other sources.

Generally speaking if you want an official Disney vacation package, and especially if you want to book one of the Disney Dining Plans, you’re best off booking with a Disney specialist full-service travel agency. You’ll get better service and a personal agent, for the same price as Disney charges.

Membership Discounts

If you belong to a membership organization like USAA or AARP, it may be worthwhile to check if they offer Walt Disney World vacation packages, and if so, whether they offer any discounts. However, don’t expect much service, and be aware that you may not get the best price in the long run. In our experience, the big membership organizations mostly employ “generalist” travel agents who often know little or nothing about Disney vacations and are frequently clueless about promotional packages and discount codes. You will usually have to do your own monitoring to make sure any better package offers that come out are applied to your booking. They almost never do this for you, unlike a Disney specialist agency.

Trip Insurance

It is especially important to buy trip insurance for a vacation package, because you have to pay the entire cost in advance and you won’t get a refund if you have to cancel right before your scheduled departure. With hundreds or even thousands of dollars at stake, it’s worth it to protect the investment.

It’s super-important to buy insurance if you will be visiting Walt Disney World on a package vacation during hurricane season (roughly June-November, with the peak period in August and September). Don’t underestimate the potential of hurricanes and tropical storms to create major problems even in an inland location like Orlando. Walt Disney World was directly affected by two hurricanes in 2004 (Frances and Jeanne), one in 2005 (Wilma), and most recently by Irma in 2017. Two hotels located on Disney property (but not operated by Disney) were virtually destroyed by the 2004 storms; one didn’t reopen until 2010!

While Disney’s own resorts weathered the hurricanes very well, guests were stuck in their rooms for up to 72 hours and many had major travel problems because airports were closed. Disney did waive “no-show” fees for a few dates, but those whose trips began before the specified dates (but whose travel plans overlapped with the hurricane) or just afterward were out of luck. Many people had similar problems with their airfares. The airlines allowed highly restrictive changes for certain dates without extra fees, but many of those who had to reschedule could not work within the airlines’ narrow rules and just had to suck up the extra cost.

Perhaps the most important coverage included in a trip insurance policy is trip cancellation and interruption insurance, which can protect your investment if you have to cancel your vacation at the last minute (or come home early) due to illness or injury. Depending on the policy, you may be covered if you cancel for other reasons, such as jury duty, terrorism at your destination, or even unemployment.

Emergency medical coverage and medical evacuation insurance are very important if you become ill or injured during the trip. Otherwise you’re on your own as far as booking very expensive last-minute airfare to get home. And if you’re too ill to travel by commercial jet, you may have to pay for treatment in Florida (which your personal insurance may or may not cover) or for evacuation on a medically-equipped jet, which is incredibly expensive. Check your existing medical insurance to see what, exactly is covered while traveling. You may be surprised at how much isn’t covered when you’re away from home.

Delayed baggage insurance will help you pay for replacement clothing if the airline sends your suitcase to Timbuktu and you need something to wear in the meantime. Supplemental baggage insurance will pay a predetermined amount if an airline loses your luggage completely. (Some higher-end credit cards provide extra baggage insurance, so check with your card issuer before paying extra for this coverage.)

Disney sells trip insurance, but for most trips, it’s more expensive than other plans, and usually more restrictive. Additionally, it only covers the cost of your Disney trip (including airfare), so if you do anything else on your trip, such as visit another theme park, buy tickets to an offsite event, etc., those aren’t covered. With a third-party policy, you can cover all potential costs of the entire trip, from any providers, with one policy. You can almost always get better insurance than Disney provides, and at better rates, by buying it elsewhere.

The one situation where Disney’s insurance is a good deal is for very expensive trips. Disney’s insurance is charged at a flat rate per adult (children are included as long as all adults buy the insurance), but third-party plans have a variable charge based on the total cost of your trip and the ages of the adults. The break-even point for a family with two 30-year old adults is roughly $8,000-$12,000 of total trip costs, depending on exactly which plan you choose and what coverages you want. So if you’re 60 years old, flying in from New Zealand and staying at the Grand Floridian in a concierge room for 10 nights, Disney’s travel insurance is an incredible steal. For most people, though, third-party insurance is a better deal.

Be aware that in most cases, trip insurance will provide slightly less coverage (usually by adding exclusions on pre-existing medical conditions) unless you buy it within about 14-21 days of paying your deposit on the vacation package. So be sure to purchase it right away, once you’ve committed to the trip.

Where to Buy Trip Insurance

  • A great place to comparison-shop for trip insurance is SquareMouth, where you can see side-by-side policy information and rates for major, reputable insurance companies. We have used SquareMouth ourselves to buy trip insurance and were especially impressed with their straightforward comparison system and robust filters to help you find the specific insurance features you need. We were also impressed with their “Zero Complaint Guarantee,” where they will go to bat with the insurance company on your behalf if you have a problem. Compare policies on SquareMouth.