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The insurance portion of Disney's Vacation Protection Plan is provided through World Access Service Corporation and will protect your vacation investment in the case of certain unforeseen covered circumstances such as illness or delays that result in the cancellation or interruption of your vacation.

The plan is effective at 12:01 a.m. on the day your trip begins except for Trip Cancellation coverage, which is effective on the date the insurance payment is received by Disney Cruise Vacations. The plan is completely refundable should you cancel your reservation prior to the cancellation penalty period. The following is a brief summary of the protection offered.

Trip Cancellation/Interruption Protection *

Full reimbursement for any non-refundable penalties incurred if you must cancel or interrupt your trip due to covered medical conditions or other specified causes affecting you, immediate family members, or your travel companions.

Travel Delay Protection *

If your trip is delayed due to a covered reason, you will be reimbursed up to $500 per guest to cover additional accommodations, meals and transportation.

Emergency Medical/Dental Coverage *

For emergency sickness or injury while on your trip, you will be reimbursed up to $10,000 per guest for covered emergency medical expenses.

Serious illness or injury may necessitate emergency air or ground transportation. The policy will cover up to $30,000 per guest for covered transfer to the nearest medical facility.

World-wide assistance with a 24-hour hotline when you need help with lost documents, cash transfers, and other travel-related problems.

Baggage Protection *

The policy provides up to $3,000 per guest in baggage and personal effects protection due to covered loss, theft or damage. For airline delays of more than 24 hours, you will be reimbursed up to $500 for a reasonable, additional purchase of essential items.

The price of the insurance plan is based on the length of your vacation. Prices are per guest and are subject to change without notice:

Prices may vary - check with your Travel Consultant.

This is just a brief description of benefits. Pre-Existing Condition exclusions and other limitations and restrictions apply. A Certificate of Insurance outlining full terms and conditions of coverage is included with your travel documents. The Emergency Evacuation and Assistance services are provided by Access America , a division of World Access Service Corporation.

If you purchase the Vacation Protection Plan and cancel your vacation for any reason not covered by the insurance portion of the plan, you will receive a credit equal to 75% of the non-refundable cancellation penalty toward a future vacation arranged by Disney Cruise Vacations which commences within one year after the cancellation date.

* Insurance coverages underwritten by BCS Insurance Company

Please note that insurance coverage for loss of personal effects may be included in some homeowners' policies.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms and conditions listed in this summary are subject to change without notice and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a Disney cruise, you can purchase insurance from Disney or from the independent insurance provider, CSA. Click here to see details of the CSA Vacation Guarantee.