The Disney Cruise Line Vacation Protection Plan helps to cover your family for certain unexpected circumstances and emergencies - both during and before your vacation.

Cancel For Any Reason Credit Feature - non-insurance feature provided by Disney Cruise Line

Receive a future cruise credit up to 75% of the non-refundable 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 feature is provided by Disney Cruise Line.

Travel Insurance - Underwritten by Arch Insurance Company

The insurer will reimburse up to the following limits:

Benefit Coverage Details
Trip Cancellation & Trip Interruption Up to 100% trip cost ($20,000 limit) if you cancel or interrupt due to sickness, injury, death and other covered reasons as indicated in your plan
Trip Delay Up to $500 ($150 per day) if your cruise vacation is delayed for 6+ hours due to carrier-caused delays - including weather, unannounced strike or more
Emergency Accident / Sickness Medical Up to $20,000 to cover emergency medical treatment, hospitalization and more if you become sick or injured during your cruise vacation
Emergency Medical
Evacuation / Repatriation
Up to $30,000 to cover emergency medical transport
Baggage Loss Up to $3,000 to cover loss, theft or damage to your bags or personal possessions
Baggage Delay  Up to $500 to cover the purchase of necessary items if your bags are delayed for 24+ hours

Worldwide Emergency Assistance, services provided by CareFree Travel Assistance™

Enjoy 24/7 global assistance during your trip. Services include:

  • CareFree Travel Assistance™
  • Medical Assistance
  • Emergency Services

For more information on the general features and pricing of Travel Protection Plans, click here.

The Disney Cruise Line Vacation Protection Plan Details

Please select your state of residence from the list below to download your full plan documentation.

For purchases on or after April 1, 2023:

For purchases between May 18, 2022 - March 31, 2023:

If you paid for Vacation Protection:
Between May 17, 2021 - May 17, 2022 only:

On/after June 1, 2018 through May 16, 2021 only:

If you need to file a claim, please visit

Important Information

  • This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip.
  • 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. If you have any questions about your current coverage, call your insurer, insurance agent or broker
  • This insurance is not required in connection with the insured’s purchase of travel tickets.
  • Plan may not be available in all jurisictions.
  • Payment for the Vacation Protection Plan must be made by the earlier of: the final payment date; or, the date any charges on the reservation becoming non-refundable, such as Concierge deposit or air cancellation fees for Restricted Fares.
  • The Disney Cruise Line Vacation Protection Plan goes into effect when the full plan cost has been received by Disney Cruise Line in addition to any cruise deposits due.
  • Residents of the state of New York are not required to purchase the Disney Cruise Line Protection in order to purchase the cancel for any reason credit feature. Please contact 1-888-722-2195 for details.

Restrictions for the Cancel For Any Reason Feature (non-insurance)

  • 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 Affinity Travel Practice.
  • 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.