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There’s nothing like the experience of G-forces pounding your cheeks as you plunge 60 miles per hour toward the water hundreds of feet in the air. That’s why roller coasters and theme parks are the perfect vacation for thrill seekers and adrenaline junkies.

Theme park trips have more to offer than just roller coasters. The experience is usually a mix of a variety of rides, entertaining restaurants, encounters with favorite characters, and live entertainment.

Another advantage of theme parks is that they are usually located among a wide variety of accommodation options, restaurants and shopping destinations so that you can complete your trip well. You might want to host a family reunion at EPCOT in Orlando, extend history lessons at Busch Gardens Williamsburg in Virginia, or venture overseas to visit Tivoli Gardens in Copenhagen. Maybe you’re planning a must-see trip to Universal Studios Japan in Osaka.

No matter where your theme park trips take you, a comprehensive travel insurance policy provides protection before you go and after you go. Many travel insurance companies allow you to add children to a travel insurance plan for free.

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Trip Cancellation: The Poisoned Apple of Theme Park Vacations

If you’re planning a trip to a theme park, consider protecting your prepaid travel deposits with insurance. Tickets and packages to Walt Disney World, for example, are non-refundable. This is where travel insurance can provide a financial safety net: if you have to cancel a Disney trip, no amount of magic pixie dust can help you recoup your costs without the right insurance.

Trip cancellation benefits can help you get back your prepaid travel deposits if you cancel your trip, says Don Van Scyoc, spokesperson for travel insurance provider GeoBlue.

Trip cancellation insurance can usually reimburse you if you cancel due to illness, injury, or death, extreme weather, military orders, or a serious family emergency, among other events. unforeseen. Acceptable reasons for cancellation vary by company, so check your policy for a full list of covered scenarios.

Trip cancellation benefits also extend to activities and special events you will miss. For example, if you prepaid tickets to the San Diego Zoo for your trip to SeaWorld and the cost is non-refundable, you can include it in your claim.

Not all reasons for cancellation are covered by standard trip cancellation insurance. For example, if your 12-year-old has a bad report card and you change your mind about visiting SeaWorld in San Diego, a basic travel insurance plan won’t reimburse you.

If you want maximum flexibility to cancel your travel plans and receive a refund, consider adding a “cancel for any reason” (CFAR) upgrade to your travel insurance policy. This upgrade will add an average of 50% more to the cost of your policy, but will allow you to cancel for any reason, as long as you cancel at least 48 hours before your scheduled departure date.

For example, you could make a CFAR claim because of a rainy forecast, a bad report, a fight with family, or just because you don’t want to go. This additional coverage will typically refund 50% or 75% of your prepaid, non-refundable travel deposits.

Travel travel insurance: the magic awaits you

There’s nothing enchanting about a flight delay or a missed connection while traveling, but trip delay insurance can at least help you offset the inconvenience.

Let’s say you’re traveling from New Jersey to Disneyland Paris with your family and opting for a connecting flight to London to save money. A blizzard that even Elsa would admire causes your flight from Newark to take off 18 hours late, so you miss your connecting flight from London to Paris. Trip delay insurance benefits can reimburse you for hotel, meal, and personal incidental expenses until you catch up on your itinerary.

Most policies have a waiting period, usually three to 12 hours, before trip delay benefits kick in. So check your policy for the specified duration required before coverage begins.

Also, if your delay causes you to miss prepaid, non-refundable activities or entertainment, you can file a claim for it. For example, trip delay insurance can reimburse you for a one-on-one visit with a princess you missed and the cost of the first night at your hotel.

Trip Interruption Insurance for Theme Park Vacations

If you need to get home early due to illness, injury, or a family emergency at home, you can file a claim for reimbursement under Trip Interruption Insurance.

For example, suppose you are in Gröna Lund, Sweden, waiting in line to ride the Monster roller coaster, and you are informed that your mother-in-law has died unexpectedly. You will have to cut your vacation short.

Trip interruption travel insurance benefits may cover the cost of a one-way economy class return flight. It can also refund any non-refundable deposit for private tours, prepaid hotel rooms, transportation, or special experiences you paid for in advance.

Travel medical insurance can be a fairy godmother

Getting injured or sick is a disappointment, but especially when you’re away from home. If you are injured or your health deteriorates while traveling abroad, medical coverage under a travel insurance plan may compensate you.

For example, if you visit Knotts Berry Farm in California with your daughter, and she falls and needs stitches, your US health insurance plan will likely cover the medical expenses. But it’s a small world, after all, so you could venture to a theme park outside of the United States.

If you are traveling abroad, purchasing coverage for medical emergencies becomes even more important. Check if your US health plan has worldwide medical coverage and if it qualifies as out-of-network. You may want to buy a generous amount of travel medical insurance to have good coverage abroad.

For example, if your son is running through Canada’s Wonderland in Toronto and trips and breaks his ankle, you’ll want to have health insurance that works in Canada.

Travel medical insurance helps cover the cost, up to your policy limits, of doctor visits, imaging, casting, and even an overnight hospital stay. You can find travel medical insurance with many benefits for $500,000 per person, although many plans offer less if you don’t need that much.

There is also always the risk that a medical evacuation will be necessary during the trip. If during your visit to Barcelona’s Tibidabo amusement park your son suffers a seizure, he may need to be airlifted to a medical facility as soon as possible.

The cost of medical evacuation transportation can run into the tens of thousands of dollars, or even more, depending on your location and situation. Generous emergency medical evacuation insurance can provide $1 million per person in emergency evacuation coverage, but you can buy less if you think you don’t need as much.

Your travel insurance company can arrange medical evacuation to transport your son for emergency medical treatment, and can even arrange transportation back to the United States if needed.

Travel insurance in case of lost luggage

If only a wave of a magic wand could make your luggage appear. Unfortunately, this is not the case when your luggage is lost. However, baggage loss coverage from a travel insurance plan can at least help you by compensating you.

Suppose you’ve taken a transatlantic flight to reach Alton Towers Resort in the UK and realize that your checked baggage has taken a detour. Your travel insurance policy may reimburse you for the value of what you packed.

“One of the worst things to experience is realizing that your whole suitcase has been misplaced,” says Chris Carnicelli, SEO of Generali Global Assistance. “Loss of luggage is a more common occurrence than most people realize, which is why it’s so important to have an insurance provider that covers it.”

Beyond luggage, a travel insurance plan also protects your personal belongings. Theme parks are known to be crowded and property is stolen. If your iPad is hacked or your camera is taken, you can file a refund claim. Be sure to file a report with the park office and notify the authorities. You will need this documentation if you file a theft claim.

Your policy may have exclusions for very expensive jewelry or have maximum limits per item. “When looking for a travel insurance provider, it’s important to consider all aspects of the policy and read the fine print. Whether you are traveling domestically or internationally, travel insurance coverage differs from provider to provider,” says Carnicelli.

It is best to leave valuables at home. If you want to travel with expensive items, put jewelry or expensive electronics in your hotel safe.