Travel Insurance and Theme Parks: What You Need to Know

Around the country theme parks are gingerly testing the waters and working on reopening, people are once again starting to plan theme park vacations and wondering whether travel insurance covers theme park travel.

Does travel insurance cover theme parks?

Yes, travel insurance can cover many things that could happen during a theme park trip, including canceled and interrupted trips, medical services for a sickness or injury that occurs during travel, lost and delayed baggage and more.

With the right travel insurance, you can be reimbursed for prepaid, unused and nonrefundable travel expenses if you have to cancel a trip for one of many covered reasons.

Also read: 7 Questions to Ask to Find the Best Family Travel Insurance

Get Reimbursed for a Canceled Theme Park Trip

One of the most common reasons people consider travel insurance is the worry that they may have to cancel their trip and lose money they’ve already paid for it. This is especially important for theme park trips, since the tickets and other activities can cost so much and are often paid for in advance.

If you fly to Florida, make plane reservations far ahead of time, buy all your tickets in advance, pay for hotel reservations before you leave, and make rental car arrangements before you leave, you have a lot more to lose if you cancel your trip.

If, on the other hand, you drive down to Florida in your own car, don’t buy tickets in advance and don’t make hotel reservations, figuring you’ll handle all that as it comes, you won’t have many prepaid costs that you could lose if you don’t take the trip.

But that’s not all there is to travel insurance. So far, we’ve only discussed whether you can be reimbursed for the cost of your trip if you have to cancel or interrupt it for a covered reason. There’s actually a lot more to travel insurance that can come into play on a theme park vacation.

We are very glad that we bought this insurance. Unfortunately we did have to cancel our vacation due to the health of my mother. We were very impressed with how quickly we were able to get our money refunded. We would highly recommend others to buy this insurance to protect their family vacations.

Steve K. from Burlington, KY

Covering Medical, Baggage and More

Generali’s travel insurance includes vital coverage that can help you if you have a medical emergency while on vacation – including coverage if you incur a medical emergency that requires you to be airlifted from a remote location.

In addition, If you, a family member or a traveling companion are diagnosed with COVID-19 before or during your trip, and meet the requirements for coverage due to sickness, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation.

There’s also vital coverage for your baggage; for instance, if it gets lost, stolen, or damaged when you’re on vacation – even if it’s stolen from your hotel room.

Finally, each Generali travel insurance plan comes with 24/7 emergency travel assistance and concierge services that can help you with restaurant reservations, event tickets, rental cars, and more, in addition to travel emergencies like lost plane tickets or other travel documents.

Also read: Why to Get Road Trip Insurance

Tips for Getting Theme Park Travel Insurance

If you’re thinking about taking a theme park vacation, here are some tips to get the most out of travel insurance for your trip:

Make reservations early. You probably want to do this anyway, to make sure you get tickets to the best rides and rooms at the resorts closest to the parks.
Buy travel insurance as soon as you make your initial trip payments. One of the great things about buying travel insurance right away is that it’s done, you don’t have to worry about it, and you can focus on getting the rest of your trip ship-shape. Read our article about when the best time is to buy travel insurance.
Check the cancellation policies of your travel suppliers – theme parks, airlines, hotels, and car-rental agencies. While travel insurance can cover and reimburse you if you have to cancel a trip for a covered reason, not every reason is covered. As a result, it’s good to know what your suppliers will do, just in case your claim is denied.

If a theme park vacation sounds like just the ticket right now, you’re not alone. Just make sure to buy that ticket in advance – and then buy some Generali travel insurance – and you’ll be all set.