Disney World Vacation Package Discounts

LAST UPDATE: 10/16/17

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. Annual Passholders have been able to get a special package with a dining plan but no tickets for several years now, and in 2014 Disney started offering the same package to the general public. That “ticketless” package is not currently 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, click here for information that should 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

2018 Package Changes

The big change for 2018 is that dining plans now include alcohol as a drink option with both quick service and table service meals. Alcohol can include beer, wines by the glass, or cocktails, with some specialty drinks and expensive wines excluded.

Those who don’t drink alcohol can also get several new premium non-alcoholic options, including milkshakes, smoothies and gourmet hot chocolate, in addition to the non-alcoholic drinks that have always been included. Click the links below for more details.

If you’ve already booked a package with an arrival date in 2018, you’ll get the new features automatically; you do not need to rebook. If you have a package with an arrival date in 2017, you continue to get the 2017 package features.

Other changes are minor:

Current Package Options (for arrivals in 2017 & 2018)

Thanks to Small World Vacations for info.

  • To book a Disney World vacation package, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 Magic Your Way 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 Magic Your Way Package (no dining) or the Magic Your Way 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 alcohol), 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. Click here to read our view on the pros and cons of the Dining Plan.

If your family isn’t into table-service dining, there is the Magic Your Way Package Plus Quick Service Dining. 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. 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.

New!Ultimate Disney Christmas Package Offer

Walt Disney World is offering a limited number of Ultimate Disney Christmas at Walt Disney World Resort Packages for those looking to have a very special Christmas celebration at Walt Disney World. When we price out the package, it does appear to include a room discount roughly similar to the current Holiday Magic room discount, plus a very small discount (around $10 total) off the other inclusions like Mickey’s Very Merry Christmas party and the Epcot Christmas Eve party. The total discount will most likely vary with room type and resort selected.

This unique package includes a 5-night stay from December 21-26, 2017 at select Moderate, Deluxe and Deluxe Villa Disney Resort Hotels; 4-day Magic Your Way tickets with Park Hopper option and an exclusive holiday experience each day of your stay:*

* There are a very limited number of these packages available; it is expected to be very popular and may sell out quickly. This offer excludes: 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.

Book by 12/10/17.

  • For more information or to book the Ultimate Disney Christmas Packagewe recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 Gift Package Offer

When you book a Walt Disney World package with this offer for any arrival date in 2018 (1/1/18 – 12/31/18), each guest gets a special limited edition MagicBand in a holiday box. This really isn’t a discount offer per se. The only feature it adds is the special MagicBand, which will arrive before Christmas so you can use it as a gift. If you were planning to surprise the kids with a trip to Walt Disney World next year, this is a way to make a little more of a fun present out of it.

To get this package, you must book at least 3 nights stay at an official Disney resort plus a 2-day or longer ticket for each guest. No dining plan is required.

While this doesn’t actually get you a discount on the vacation package, if a discount does come out later on that covers your dates, presumably you can switch your package to the new discount offer at that time (though if you switch before the special MagicBands ship, you won’t actually get the limited edition ones – you’ll get regular solid-color MagicBands).

Book by 11/15/17.

  • To book the Disney Gift Package Offer, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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.

Gift Of Magic Package Offer

Get up to 25% off the room portion of a package at official Walt Disney World resorts for most dates 1/1/18 – 4/14/18. There is no minimum stay required. You must check in on a valid date to be eligible for the discount, but stay can stretch into blackouts or past the end of the discount period. The dates that don’t fall on a valid date will get charged full rate. You can also book this as a room-only offer.

There is also a separate offer called the Family Gift of Magic Package available, but it’s exactly the same as booking the Gift of Magic Room offer and adding tickets and/or dining to make it a package. It’s just a way of marketing this package slightly differently to families.

Sample discounts (of just the room portion) off normal 2018 Disney World room rates:

Offer excludes Villas at Grand Floridian, Bay Lake Tower, Bungalows at Polynesian Bungalows & Villas, Cabins at Copper Creek Villas & Cabins, Little Mermaid (i.e. Standard) rooms at Art of Animation Resort, Campsites 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 1/2/18.

  • To book the Gift Of Magic Package Offer, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 Gift of Magic Package Offer

This offer covers the same dates and resorts as the Gift of Magic package offer: 1/1/18 – 4/14/18, but offers extra discounts! You can also book this as a room-only offer.

Sample discounts off normal 2018 Disney World room rates:

Offer excludes Villas at Grand Floridian, Bay Lake Tower, Bungalows at Polynesian Bungalows & Villas, Cabins at Copper Creek Villas & Cabins, Little Mermaid (i.e. Standard) rooms at Art of Animation Resort, Campsites 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.

You must make an immediate initial deposit with a Disney Visa card to book this offer.

Book by 1/2/18.

  • To book the Disney Visa Gift Of Magic Package Offer, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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.

Holiday Magic Package Offer

Get up to 20% off the room portion of a package at official Walt Disney World resorts for most dates 12/8/17 – 12/24/17. A Disney vacation package includes a resort room plus park tickets and/or a dining plan. There is no minimum stay required. You must check in during the offer period to be eligible for the discount.  You can also book this as a room-only offer.

This offer doesn’t have “blackout dates,” but some dates may have a 0% discount on some resorts and rooms – the difference is that you can check in on a 0% date and still qualify for the discount on other days of your stay (whereas if an offer has blackout dates and you check in on a blacked-out date, you don’t qualify for the discount at all).

There is a Kid-Size Magical Holidays Offer as well, which is really just the same offer, with different marketing aimed at families with small children.

Sample discounts (of just the room portion) off regular 2017 Disney World room rates:

Offer excludes Villas at Grand Floridian, Bay Lake Tower, Bungalows at Polynesian Bungalows & Villas, Copper Creek Villas & Cabins, Little Mermaid (i.e. Standard) rooms at Art of Animation Resort 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 12/24/17.

  • To book the Holiday Magic Package Offer, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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.

Play, Stay, Dine Package Offer

Get a discount on the dining plan (and maybe the room) when you book a package including a room at an official Walt Disney World resort, 2-day or longer park tickets and a Disney dining plan. Valid stay dates are 1/1/18 – 3/10/18. Minimum stay is 3 days, and you must get 2-day or longer park tickets. You must check in on a valid date to be eligible for the discount, but stay can stretch past the end of the discount period. As long as you check in on a valid date, you get the full discount all the way until the end of your stay.

Offer excludes Port Orleans – French Quarter, All Star Movies, Villas at Grand Floridian, Bay Lake Tower, Bungalows at Polynesian Bungalows & Villas, Cabins at Copper Creek Villas & Cabins, Little Mermaid (i.e. Standard) rooms at Art of Animation Resort, Campsites 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 12/22/17.

  • To book the Play, Stay, Dine Package Offer, we recommend using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 Magic Your Way packages that have a 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 using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 Magic Your Way packages that include a 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 using Small World VacationsThey give you full service, including a personal travel agent you can contact by email or toll-free phone number, and we can recommend them wholeheartedly. Also, to celebrate their 20th year of booking Disney travel, Small World is offering a FREE TouringPlans.com subscription to US residents, when they book a package valued at $2000 or more. Tell them MouseSavers sent you!
  • 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 click on 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 Magic Your Way 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 trips, 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 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

  • If you have kids under 18, consider using Allianz for your trip insurance. Kids are included FREE in the Classic Plan, which is a rare and valuable benefit. Overall, we’ve found Allianz to have a solid product with an attractive price and a lot of useful features. If you buy the policy within 14 days of making your first payment/deposit on the package, it will also cover pre-existing conditions. Click here to get a quote from Allianz.
  • If the Allianz policy isn’t a good fit for you, 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. Click here to compare policies on SquareMouth.