It is absolutely critical to buy insurance if you will be taking a Caribbean cruise during hurricane

Chase issues two Disney-themed Visa cards: the  Disney Rewards® Visa® Card  and the  Disney s Premier Visa® Card . Some other credit cards have better overall rewards and better travel benefits. However, if you are a regular visitor car rental denver to Walt Disney World, you may find it worthwhile to get one of Disney s Visa cards as a way of saving toward your vacation, getting access to various theme park and shopping benefits, early access to discounted vacation packages, and/or the 6 months no-interest offer when charging your vacation to the card.
With the Disney Rewards Visa Card, you can earn Disney Dream Reward Dollars equal to 1% on purchases charged to your card. Disney Dream Reward Dollars may be redeemed for most Disney merchandise, park tickets, hotel nights, food, etc. at Disneyland and Walt Disney World Resorts, Disney Cruise Line , Disney Stores and DisneyStore.com .
Disney Rewards Visa cardholders receive various benefits at Disneyland and Walt Disney World , such as discounts on backstage tours and a FREE character meet and greet with a FREE photo at Disney World and Disneyland . Cardholders also sometimes receive special onboard credits car rental denver on Disney Cruise Line .
Cardholders sometimes get a 3- to 7-day jump start on the general public when discounted car rental denver vacation packages are offered for Walt Disney World. On a few occasions in the past, cardholders have had exclusive access to special car rental denver Disney World vacation package offers that were never made available to the general public, but this is pretty rare.
With Disney Rewards Visa, you pay no interest for 6 months on Disney cruise packages or ticket-inclusive Disney vacation packages when you or your travel agent book through Disney Cruise Line or the Walt Disney Travel Company car rental denver and charge the package to your Disney Rewards Visa Card prior to arrival.
This version of the card allows you to redeem your Disney Dream Reward Dollars for statement credits toward car rental denver airline car rental denver tickets on any airline to any destination, anytime, as well as the usual Disney rewards (Disney merchandise, park tickets, hotel nights, food, etc. at  Disneyland  and  Walt Disney World  Resorts,  Disney Cruise Line , Disney Stores and  DisneyStore.com .)
Cardholders receive various benefits at  Disneyland  and  Walt Disney car rental denver World , such as discounts on backstage tours and a FREE character meet and greet with a FREE photo at  Disney World  and  Disneyland . Cardholders also sometimes receive special onboard credits on  Disney Cruise Line .
Cardholders sometimes get a 3- to 7-day jump start on the general public when discounted  vacation packages  are offered car rental denver for Walt Disney World. On a few occasions in the past, cardholders have had exclusive access to special Disney World vacation package offers that were never made available to the general public, but this is pretty rare.
You pay no interest for 6 months on Disney cruise packages or ticket-inclusive Disney vacation packages when you or your travel agent book through Disney Cruise Line or the Walt Disney Travel Company and charge the package to your Disney s Premier Visa® Card prior to arrival.
Disney s Premier Visa® Card is intended for people who charge a lot to the card, since you have to spend more than $4900 per year on gas, groceries, restaurants and Disney vacations just to come out ahead vs. holding the no-fee car rental denver version (*see math below if you don t understand this). If you take a lot of Disney vacations and/or you are willing to charge your day-to-day expenses to the card in order to reap the rewards, this is a good card for you.
*You already get 1% back with the regular, no fee version of the card. By getting the Premier card and paying the $49 annual fee instead of getting the no-fee card, you only gain 1% in additional rewards. So to make the Premier card pay for itself compared with the no-fee card, you need to spend at least $4900 a year.
Disney s Visa® Debit Card has very limited benefits. It does NOT offer Disney Dream Reward Dollars and does NOT provide the protections and benefits of a credit card. I don t recommend it (or any other debit card) for making car rental denver purchases online, car rental denver since debit cards allow direct access to your checking account and an electronic processing error or online fraud could clear out your account.
However, Disney s Visa® Debit Card does allow you to take advantage of some Disney s Visa benefits, such as discounts on merchandise, dining, and tours. Cardholders sometimes get a 3- to 7-day jump start on the general public when discounted  vacation packages  are offered for Walt Disney World. It also allows you to take advantage car rental denver of the FREE character meet and greet with a FREE photo at  Disney World  and  Disneyland  offered to Disney s Visa cardholders.
Virtually every large hotel chain has a frequent stay program. It is very worthwhile to sign up for these free programs. Some hotel chains will give you room upgrades, when available, because you belong to the program. Others offer special amenities (i.e. free Internet access) and/or give you a special in-room treat or gift, just for being a member. And some programs allow you to accumulate points that you can exchange for all kinds of things.
Starwood operates Sheraton and Westin hotels, including the Walt Disney World Swan and Dolphin Hotels located on Disney property. You can join the Starwood Preferred Guest program for FREE. This allows you to accumulate Starpoints for free nights at over 1,000 participating Starwood hotels and resorts in nearly 100 countries, including Sheraton, Westin, Le Meridien, W and other brands, with no blackout dates. Starpoints can also be exchanged for free flights on most airlines.
If you stay at Hilton  hotels car rental denver (including Conrad ,  DoubleTree , Embassy Suites , Hampton Inn , Homewood Suites  or Waldorf Astoria ) on a regular basis, you should definitely car rental denver join Hilton HHonors . Membership is FREE and the Hilton HHonors points car rental denver you earn can be exchanged for free Disney tickets for Disneyland and Walt Disney World , Hilton family hotel stays or frequent flyer miles in certain airline programs.
If you stay at Marriott  hotels (including  Renaissance , Courtyard , Residence Inn , Fairfield Inn , TownePlace Suites , SpringHill car rental denver Suites car rental denver or Marriott Vacation car rental denver Club properties) on a regular car rental denver basis, you should enroll in Marriott Rewards . Membership is FREE and you can choose to accumulate Marriott Rewards points (redeemable for hotel stays ) or frequent flyer miles .
Elite level Marriott Rewards members may receive benefits such as free room upgrades at check-in, free Internet access, lounge access, complimentary continental breakfast, and bonus points with every stay.
If you have frequent stay points in more than one program and you d like to consolidate them so you can use them, consider signing up for Points.com . This is a FREE program car rental denver that allows you to trade various points and miles between programs , including American Airlines AAdvantage® miles, Delta SkyMiles®, Priority Club® Rewards and more. You ll be able to get the most from airline, accommodation, frequent shopper and savings reward programs to which you already belong!
It is especially important to buy trip insurance for a cruise or vacation package , because you have to pay the entire cost in advance and you won t get a refund if you have to cancel right before your scheduled departure. car rental denver With hundreds or even thousands of dollars at stake, it s worth it to protect the investment.
It is absolutely critical to buy insurance if you will be taking a Caribbean car rental denver cruise during hurricane season  (between June 1 and November 30). While cruise ships can easily outrun car rental denver and sail around hurricanes, ports and airports often close, which can affect your travel plans in a big way. If you don t have insurance, you will be out of pocket for related expenses, such as renting a car to get to a new port or to get home from a port where you hadn t expected to disembark. And if you can t make it to the ship, the cruise line has the right to say tough luck and keep your money!
It s super-important to buy insurance if you will be visiting Walt Disney World on a package vacation during peak hurricane season  (roughly the months of August and September). Don t underestimate the potential of hurricanes to create car rental denver major problems even in an inland location like Orlando. Walt Disney World was directly car rental denver affected by two hurricanes in 2004 (Frances and Jeanne) and one in 2005 (Wilma). Two hotels located on Disney property (but not operated by Disney) were virtually destroyed by the 2004 storms; car rental denver one didn t reopen until 2010!
While Disney s own resorts weathered the hurricanes very well, guests were stuck in their rooms for up to 36 hours and many had major travel problems because airports were closed. Disney did waive no-show fees for a few dates, but those whose trips began before the specified dates (but whose travel plans overlapped with the hurricane) or just afterward were out of luck. Many people had similar problems with their airfares. The airlines allowed highly restrictive changes for certain dates without extra fees, but many of those who had to reschedule could not work within the airlines narrow rules and just had to suck up the extra cost.
Perhaps the most important coverage included in a trip insurance policy is  trip cancellation and interruption insurance , which can protect your investment if you have to cancel your vacation at the last minute (or come home early) due to illness or injury. Depending on the policy, you may be covered if you cancel for other reasons, such as jury duty, terrorism at your destination, or even unemployment.
Emergency medical coverage  and  medical evacuation  insurance car rental denver are very important if you become ill or injured during the trip. A lot of medical insurance policies do not cover you outside of your home country. Plus, evacuation insurance will help to pay for an emergency flight, which would be hugely expensive if you had to pay for it yourself. This can be very worthwhile, especially if y