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Adventures by Disney Travel Insurance - 2022 Review

Adventures by Disney River Cruise

Adventures by Disney River Cruise
Insurance Partner
Coverage Options


  • Strong Insurance Partner
  • Pre-Existing Condition Waiver Available
  • Cancel For Any Reason


  • Expensive
  • Low Medical And Evacuation Benefits
  • Cancel For Any Reason Credit Not Cash


Disney River Cruises for 2022

Adventures by Disney offers several award-winning river cruises in Europe on the Rhine, Danube, Rhone, and Seine rivers. With an Adventures by Disney River Cruise, Europe is literally at your doorstep!

Disney river cruises are run by AmaWaterways, a leader in European river cruising. All guests on board are with Adventures by Disney. Most of their sailings are family-friendly, but a few are adults-only.

Adventures by Disney offers a travel insurance program called Vacation Protection Plan, and Vacation Protection Plan Plus, a Cancel For Any Reason (CFAR) plan. Both plans are underwritten by Arch Insurance and administered by AON Affinity who processes claims.

To purchase, Adventures by Disney does not offer bookings on their website. You must call Disney to receive quotes on the cruise fare and cruise insurance. As of 2021, Adventures by Disney charges a flat 8.38% fee for travel insurance for their standard Vacation Protection Plan and 13.41% for the Vacation Protection Plan Plus (CFAR) upgrade. These fees are in addition to the cruise fare, taxes, fees, and gratuities. Airfare to/from Europe is not included in the pricing and must be purchased separately.

Disney Rhine Cruise

Sample Cruise Itinerary

For our example, we chose an Adventures by Disney vacation 8-day Rhine River cruise that begins in Basel, Switzerland and ends in Amsterdam, the Netherlands. Cruise dates chosen were 6/12/2022 – 6/19/2022. Travelers are two adults aged 55 and 60. The cruise price is $5,389 per person for a total of $10,778.

Disney Cruise Price

As airfare is purchased separately and pricing can greatly vary, this review includes only the cost of the cruise, instead of total trip cost including airfare.

Comparison Quotes

Based on our sample couple, ages 55 and 60, we created comparison quotes using AARDY’s travel insurance marketplace engine. The trip cost used for the comparison is the cruise cost for both travelers $5,389 per person for a total of $10,778.

When traveling outside the United States, we recommend a minimum coverage of $100,000 in Medical Insurance, $250,000 in Medical Evacuation, and a Pre-existing Medical Condition Waiver. We used these criteria to choose the selected quotes.

The least expensive plan with adequate coverage on our quote from AARDY is the Trawick First Class. This plan would be comparable to the Disney Vacation Protection Plan.

Trawick First Class

For a Cancel For Any Reason policy, we chose the TravelInsured  Worldwide Trip Protector Plus (CFAR75%), because it is the least expensive plan with Cancel For Any Reason (CFAR) benefits and would be comparable to the Disney Vacation Protection Plus Plan.


Next, we break down the benefits of each policy in a side-by-side comparison.


Adventures by Disney Vacation Protection Plan

Adventures by Disney Vacation Protection Plus Plan (with CFAR)

Trawick First Class

Travel Insured

Worldwide Trip Protector Plus(CFAR 75%)

Trip Cancellation

Trip cost up to $30,000

Trip cost up to $30,000

100% of trip cost

100% of trip cost

Trip Interruption

Trip cost up to $30,000

Trip cost up to $30,000

150% of trip cost

150% of trip cost

Medical Insurance





Medical Evacuation





Baggage Loss/Damage



$500/article up to $2,000 per person

$1,000 per person

Baggage Delay





Travel Delay

(Incl quarantine)

$2,000 ($500/day)

$2,000 ($500/day)

$1000 per person

$1000 ($200/day)

Missed Connection



$1,000 per person

$500 per person

Cover Pre-existing Medical Conditions

Yes if purchased within 14 days of deposit

Yes if purchased within 14 days of deposit

Yes if purchased within 14 days of deposit

Yes if purchased within 21 days of deposit

Cancel For Work Reason




100% of trip cost

Interrupt For Any Reason




100% of trip cost

Cancel For Any Reason



75% of trip cost (cruise credit only)


75% of trip cost

Accidental Death & Dismemberment





Cost of Policy


(8.38% of trip cost)


(13.41% of trip cost)


(5.53% of trip cost)


(7.9% or trip cost)

Cost Comparison

Overall, Adventures by Disney Vacation Protection Plan and Protection Plan Plus have minimal coverage. Their Protection Plan Plus (CFAR) policy does not increase coverage from their standard policy and only provides a cruise credit valid for one year if using the CFAR option.

By shopping for cruise insurance through AARDY, our two travelers can save anywhere from $306.44 - $592.33 which can be applied to airfare, additional tours, or shopping.

In the following sections, we discuss know what to look for when shopping for travel insurance for your Adventures by Disney River cruise.

Trip Cancellation

A significant concern for travelers is Trip Cancellation. If you became ill or had an accidental injury prior to your departure date, you may have to cancel your travel arrangements, resulting in financial losses. While disappointing, Trip Cancellation is doubly painful without cancellation insurance.

Adventures by Disney Vacation Protection Plan permits cancellation for the following reasons:

  • Unexpected injury, illness, or death of traveler or family member.
  • Hijacking, quarantine, jury duty, subpoena
  • Residence uninhabitable by natural disaster, fire, flood, burglary
  • Inclement weather
  • Involuntary termination (layoff)
  • Terrorism
  • Revocation of military leave
  • Trip delayed more than 50% of scheduled duration

Unfortunately, Disney’s list of cancellation reasons lacks some important coverages.

We recommend policies that also include:

  • Strikes
  • Default or bankruptcy of the common carrier or travel supplier
  • Cancel For Work Reason (traveler required to work during the trip)
  • Employer-initiated transfer of 250 miles or more
  • Destination uninhabitable or unreachable by fire, flood or natural disaster
  • Mechanical breakdown of a common carrier
  • Traveler involved in accident en route to departure
  • Mandatory evacuation
  • Hurricanes
  • Documented theft of passports or visas.

The Disney Vacation Protection Plans only pay a maximum of $30,000, or $15,000 per person, for Trip Cancellation, instead of the full trip cost. It also does not cover any travel arrangements booked outside Disney.

Both the Trawick First Class policy and the TravelInsured Worldwide Trip Protector Plus policy can cover all travel arrangements, regardless of where you booked them. In addition, they both offer a 100% refund for covered Trip Cancellations, a 150% refund for covered Trip Interruptions, and a broad list of covered reasons, including cancelling due to contracting COVID.

Trip Interruption

Trip Interruption is a situation during your trip that causes you to miss some or the rest of your vacation. It’s like Trip Cancellation but happens during your travels.

The most common trip interruption is the injury or illness of a traveler. If you had an injury or illness on your vacation but can continue traveling after treatment, trip interruption reimburses the unused portion of the trip, and the cost to rejoin the trip in progress.

Trip interruption also includes a family member who had a sudden grave illness or passed away. If your covered situation requires curtailing the trip and going home early, Trip Interruption also reimburses for the unused portion of the trip, plus the added cost of going home early.

In the Adventures by Disney travel insurance policy, Trip Interruption benefits share the same list of covered reasons as Trip Cancellation. Like cancellation, the Disney cruise travel insurance has a $30,000 cap for Trip Interruption. That amount includes reimbursement of unused trip costs plus the added cost of transportation home.

Travel insurance plans like the Trawick First Class and TravelInsured Worldwide Trip Protector Plus offer 150% of trip costs for interruption. Therefore, they cover up to 100% of the unused costs, plus up to an additional 50% to cover transportation costs to return home.

Disney Canal

Cancel For Any Reason

Cancel For Any Reason cruise insurance provides the highest level of flexibility and reimbursement if you must cancel your trip for any reason not covered by the policy.

If you cancel your Adventures by Disney River cruise for a reason not listed in the Disney policy, they grant future credits for 75% of the prepaid, non-refundable cancellation fees paid to them. Credits expire after one year, are non-transferrable and not redeemable for cash. Disney, not their insurance policy, provides this part of the Vacation Protection Plan. When it comes to refunds, we always prefer cash since future credits may not be used.

Alternatively, travel insurance policies like TravelInsured Worldwide Trip Protector Plus with Cancel For Any Reason included pay a 75% cash refund of all prepaid, non-refundable trip costs including arrangements made outside of Adventures by Disney. This could include flights, hotels, rental cars, excursions and transfers.

Cancel For Any Reason policies have several stipulations:

  1. Purchase the policy within 10 - 21 days (depending on policy), of your initial payment or deposit date and
  2. Insure 100% of the prepaid trip costs subject to cancellation penalties or restrictions. For additional prepaid non-refundable payments made after the purchase of the policy, insure within 10-21 days (depending on policy), of each subsequent payment added to your trip, and
  3. Cancel your trip 2 days or more before your scheduled departure date.

Medical Insurance for Emergency Treatment

One of the most important factors in selecting trip insurance is having adequate Medical Insurance when you travel. Anything can happen, including accidental injuries or sudden illness.

If you have a medical emergency when traveling and don’t have proper medical insurance coverage while overseas, you could find yourself with huge, unexpected hospital bills. Many Americans mistakenly believe countries with universal health care will treat them for free. Unfortunately, this is not the case.

Instead, Americans receive treatment at private hospitals, not public, and must pay like anyone else. Admission for inpatient care can cost $3,000-$4,000 per day, plus the cost of treatment, x-rays, surgeries, and specialists.

A common misconception is that Medicare will pay for hospitalization overseas.  Unfortunately, they won’t. Medicare does not pay providers outside the US. Some Medicare supplements do cover overseas, but have lifetime limits or reduced benefits, and pay for emergencies only. They can still require you to pay 20% of the costs. As a result, you could go on vacation and end up with medical bills in the thousands.

AARDY urges overseas travelers to take travel medical insurance of at least $100,000 per person. In a medical emergency, $100,000 provides ample health care and helps protect your retirement savings from unexpected financial burdens.

Adventures by Disney provides a $50,000 benefit for Medical Insurance. Trawick’s First Class policy includes $150,000 per person, and the Travel Insured Worldwide Trip Protector Plus provides $100,000 per person of Medical Insurance, so you can receive proper treatment without ending up in debt.

Emergency Medical Evacuation

Medical Insurance isn’t the only potentially expensive part of a trip. Emergency Medical Evacuation transports you from the place of injury or illness to the closest hospital. Once you’re stable enough for transport, Medical Evacuation brings you home via commercial flight or, if necessary, private medical jet.

Medical flights can cost up to $25,000 per hour and regular health insurance does not cover it. In addition, the US State Department does not offer any medical treatment or evacuation assistance for US citizens. AARDY advises travelers to get at least $250,000 Medical Evacuation to assure there’s enough coverage to get them back home from almost anywhere if they experience a serious medical event.

Adventures by Disney’s Vacation Protection Plan includes Medical Evacuation up to $100,000 per person.  Both the Trawick First Class and the Travel Insured Worldwide Trip Protector Plus provide $1,000,000 per person for Medical Evacuation, so you can feel secure knowing you have adequate coverage to transport you back home if needed.

Disney Picnic

Pre-existing Medical Conditions

A significant concern for senior travelers can be pre-existing medical conditions. A Pre-Existing Medical Condition is one in which you’ve received medical treatment, testing, medication changes, added new medications, or received a recommendation for a treatment or test that hasn’t happened yet. Most travel insurance policies exclude pre-existing conditions unless you purchase the policy within the required time period from your initial trip deposit date (called the Time Sensitive Period). Otherwise, the insurer will look backward 60, 90, or 180 days (depending on the policy) from the date you purchased the insurance to see if there are any pre-existing medical conditions they won’t cover. This is called the Look Back Period. Any medical conditions older than this Look Back Period, unchanged or stabilized with no medication dosage changes are covered, as are any new conditions that arise after you purchase the policy.

If you must cancel, interrupt, or seek medical treatment for a medical condition while traveling, travel insurance policies typically exclude claims related to Pre-existing Medical Conditions. However, if you purchase the policy within a few days of your Initial Trip Payment or Deposit date, many policies add a Waiver to the policy that covers Pre-existing Conditions. As a result, there is no Look Back Period and Pre-existing Conditions are covered.

The Disney Vacation Protection Plan covers Pre-Existing Conditions provided that:

  • Your payment for this plan is received within the Time Sensitive Period (14 days of Initial Trip Payment) and
  • You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties and
  • You or the individual with the Pre-Existing Condition, are not disabled from travel at the time You make Your payment for this plan, and
  • Trip cost per person does not exceed $15,000 per person

The Trawick First Class and TravelInsured Worldwide Trip Protector Plus also cover Pre-existing Medical Conditions. Trawick has the same 14-day Time Sensitive Period as Disney’s Vacation Protection Plan policy, while the Worldwide Trip Protector Plus gives you 21 days to purchase the insurance after your trip deposit date to receive coverage for pre-existing medical conditions.

Disney Island

Price and Value

The Adventures by Disney Vacation Protection Plan and Protection Plus Plan carry minimal coverage and are more expensive than other available options. They limit the maximum trip cancellation or interruption refund to $15,000 per person, or $30,000 total. In addition, the medical insurance coverage is only $50,000, and only $100,000 medical evacuation, which may not be adequate for a serious illness or injury. Cancellation reasons are limited and adding the Cancel For Any Reason option substantially increases the cost of the insurance yet only grants future cruise credits that expire after a year. Overall, the Vacation Protection Plan offers limited value for the price.

In contrast, by comparison shopping, we found the Trawick First Class policy comes in at $596.75 ($306.44 LESS than Disney!) It includes superior medical and evacuation benefits, 100% refund for trip costs for covered cancellation, 150% refund for covered trip interruption, and a robust list of cancellation reasons.

Choosing the Vacation Protection Plus plan from Disney didn’t provide any better value. It carries the same benefits as their standard Vacation Protection plan and the Cancel For Any Reason option will only provide a cruise credit for up to one year. Again, by comparison shopping, we found the TravelInsured Worldwide Trip Protector Plus for $853.00 ($592.33 LESS than Disney!) It includes $100,000 medical insurance and $1,000,000 medical evacuation. Plus, it includes a Cancel For Any Reason provision that refunds 75% of trip costs back in cash, rather than future credit. It has superior coverage over Disney’s policy at almost half the cost.


Adventures by Disney River cruise insurance provides travelers with a minimal insurance policy for a high cost that could leave travelers unpleasantly surprised during an emergency. Medical coverage and medical evacuation limits are low, and there are a limited number of covered cancellation and interruption reasons, as well as insufficient trip cost reimbursement. Though they have a strong partner in Disney, the insurance itself is rather weak. Overall, we rate it a 7 out of 10.

Travelers planning an Adventures by Disney vacation will find the best value for their money and peace of mind when they shop for travel insurance at AARDY Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, AARDY recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

If you are planning a Disney River cruise in 2022, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at agent@aardy.com or alternatively call us at (650) 492-6298. We would love to hear from you.

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