Our Guide to Travel Insurance: What You Need to Know
At People Mover Travel, we love helping families, couples, and adventurers plan their dream vacations—whether that’s to the magic of Walt Disney World, a European river cruise, or a sunny all-inclusive escape. But as much as we all hope for smooth sailing (and flying), the truth is: travel doesn’t always go as planned. That’s where travel insurance comes in.
Travel insurance can protect your investment, your health, and your peace of mind. It’s not the most glamorous part of planning a trip, but it may be one of the most important. Here’s our detailed guide to understanding travel insurance, the options you’ll have depending on your destination, and how to choose what’s right for you.
The Basics of Travel Insurance
Travel insurance is designed to protect you against the unexpected. Typical coverage can include:
Trip cancellation or interruption: Reimbursement if you need to cancel or cut your trip short due to illness, injury, family emergencies, or covered events.
Travel delays or missed connections: Compensation for unexpected hotel stays, meals, or missed tours if your flight is delayed.
Medical coverage: Especially critical when traveling internationally, this helps with doctor visits, hospital stays, or emergency evacuation.
Lost, delayed, or damaged luggage: Reimbursement for personal items or essentials if your bags don’t make it to your destination on time.
Emergency support services: Assistance with everything from finding a local doctor to replacing a lost passport.
Not all policies are the same, which is why it’s important to know what your options are.
Insurance Options by Destination
Because People Mover Travel specializes in Disney destinations, cruises, all-inclusives, European getaways, and more, here’s what you should know about insurance for each type of trip:
Walt Disney World & Disneyland
When you book a Disney vacation package, you can add Disney’s own Travel Protection Plan. This coverage protects the portion of your trip booked through Disney (resort stay, tickets, dining plan if applicable). However, it will not extend to flights or anything booked outside of Disney.
Walt Disney World Travel Protection Plan
Disneyland Travel Protection Plan
Disney Cruise Line (and other cruises)
Disney Cruise Line also offers its own insurance policy. (Disney Cruise Line Vacation Protection Plan) Cruise line insurance is convenient since it directly ties to your reservation. It usually covers cruise fare, port fees, excursions booked through the line, and medical emergencies onboard. But again, if your flights or pre/post-cruise hotels were booked separately, those items won’t be covered.
All-Inclusive Resorts
Most major resort chains (Sandals, Beaches, AMResorts, etc.) or hotel suppliers offer their own insurance or “trip protection” plans. These typically cover the resort portion of your trip and sometimes include a “cancel for any reason” component—but again, flights or transfers not booked directly with the resort may not be covered.
Europe & International Travel
For bigger trips like multi-country tours, river cruises, or custom European itineraries, third-party insurance is often the best option. These policies can wrap your flights, hotels, transfers, and activities into one comprehensive plan.
Supplier Insurance vs. Third-Party Insurance
So which should you choose—insurance offered directly through your travel supplier or a third-party provider? Here are the main differences:
Supplier Insurance
Covers only the parts of your trip purchased through that supplier.
Convenient to add during booking.
Easy claims process since it’s tied to your reservation.
Typically lower coverage limits for medical and trip interruption.
Third-Party Insurance
Covers your entire trip: flights, hotels, transfers, tours, and multiple suppliers.
Often offers higher medical coverage (especially important internationally).
More flexibility in choosing policy type (standard coverage, “cancel for any reason” upgrades, etc.).
Can sometimes be purchased closer to your departure, though it’s best to buy soon after your initial deposit for maximum protection.
Every trip is unique—and so are your coverage needs. If you’re unsure which policy (or combination of policies) makes the most sense for your vacation, ask your People Mover Travel agent! We’ll help you review your options and choose the protection that’s right for your trip.*
Recommended Third-Party Travel Insurance Companies
At People Mover Travel, we recommend two companies most often:
Arch RoamRight – Great for families and frequent travelers, with options for comprehensive coverage, emergency medical, and even annual plans.
Allianz Travel Insurance – A trusted name with strong customer service and a wide range of customizable policies.
Other reliable third-party options include:
Travel Guard (by AIG)
Travelex Insurance
Generali Global Assistance
Why Travel Insurance Matters
Think of travel insurance as a safety net. No one books a trip expecting their flight to be canceled, their luggage to get lost, or a medical emergency to happen abroad—but these things do occur. Having insurance gives you peace of mind that you won’t be left covering the costs alone.
At People Mover Travel, we don’t just book vacations—we help you protect them, too. Whether you’re planning a quick Disney getaway, a week in the Caribbean, or the European adventure of a lifetime, our team will help you find the right travel insurance so you can relax and enjoy your trip, knowing you’re covered.
If you’re not sure which type of travel insurance is right for your itinerary, don’t hesitate to reach out to your People Mover Travel agent directly. We’ll walk you through your options, explain what each policy covers, and help you make an informed choice based on your destination, travel style, and comfort level. Every trip is different, and we’re here to make sure yours is both magical—and protected from the unexpected.*
*PMT is not a licensed insurance broker, and its advisors are not qualified or authorized to answer technical questions about benefits, exclusions, and conditions of any of the insurance offered, nor evaluate the adequacy of the prospective insured’s existing insurance coverage. See our Terms & Conditions for more information.