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Need Extra Cash for the Holidays? These Seasonal Jobs Are Actually Worth It

Need Extra Cash for the Holidays? These Seasonal Jobs Are Actually Worth It
A woman swiping her credit card in the payment machine being held over the counter by a cafe cashier.

Impression supply: Getty Images

If you have some extra time on your arms, a person of these gigs can aid your getaway funds a whole lot.

Crucial points

  • A great deal of corporations retain the services of seasonal personnel about this time of year to keep up with amplified desire.
  • Many of these work opportunities shell out $12 per hour or a lot more.
  • Appear for roles in retail outlets and buyer company to capitalize on the holiday hurry.

The vacations look very entertaining on paper — terrific food stuff, investing time with cherished kinds, and acquiring items. But way too usually the reality is extensive hours in the kitchen, listening to that previous family members story for the hundredth time, and seeking not to stress as you enjoy your lender account balance shrink by the day.

I will not have many text of knowledge that can assist you with the first two, but a seasonal position can be a good remedy to that final issue. Listed here are a number of that are in fact worthy of your time.

1. Cashier

Doing work as a cashier isn’t really the most glamorous work, but it’s a thing a whole lot of stores need to have as they test to offer with the enhanced need they see in the past several months of the year. It is really also a pretty easy task to get due to the fact there is certainly not a substantial discovering curve. Even if you really don’t have any retail knowledge, there are continue to lots of businesses who will acquire you on.

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The normal seasonal cashier earns about $12 for every hour in the United States, according to ZipRecruiter. But how substantially you basically take property will depend in component on how significantly you operate. If you can locate a aspect-time career, you may be ready to suit it in fairly effortlessly close to your standard task.

2. Shopping mall Santa

I am going to confess, I was type of blown absent when I figured out the regular mall Santa can make about $22 for every hour, in accordance to ZipRecruiter. But they make it. To do this job, you have to be at ease with some extensive shifts. Depending on the shopping mall, you could be working up to twelve several hours straight. Nonetheless, that suggests additional dollars for you.

Some malls hire Santas right, but numerous perform with function or photograph agencies, so it is finest to get in contact with just one of these if you want to enhance your odds of achievement. Real beards aren’t commonly demanded, but they can boost your chances of acquiring employed. If you happen to be fascinated in this position, you really should commence seeking for work opportunities quickly. The mall Santa period usually runs from the get started of November until finally Xmas.

3. Own shopper

Individuals seek the services of personalized purchasers during the yr when they are just as well active to do their own searching. But the holiday break period can be a great time to crack into this field because individuals are obtaining a large amount extra than they generally do. Though most folks do a lot of their buying on-line these days, there are normally a few issues you can only get in outlets.

Own shoppers can make about $18 for each hour, in accordance to ZipRecruiter, and you can often choose and select the clientele you work with the moment you get your own purchasing business off the ground. Or if you happen to be not at ease starting off your individual small business, you may possibly be able to companion with a provider like Instacart, encouraging folks get the groceries they need to have to prepare their holiday break meals so they never have to leave house.

4. Reward wrapper

A surprising selection of people today (which includes me) never know how to wrap gifts adequately. And these who don’t want to hand above lumpy, misshapen offers are normally inclined to spend a couple bucks extra to have somebody who’s actually superior at it do it for them. And which is why several stores utilize gift wrappers to capitalize on this.

The regular gift wrapper earns about $17 an hour, according to ZipRecruiter. Being aware of how to wrap presents very well is a definite furthermore, but a large amount of businesses will instruct you if you really don’t currently know how. You just have to be eager to master.

5. Consumer service agent

With amplified purchasing will come improved phone calls to consumer company with thoughts about how to use merchandise and requests for enable facilitating returns, amid other factors. So a lot of companies beef up their client guidance employees for the duration of the holiday seasons to prevent extensive hold out moments on the cell phone. Some businesses also seek the services of distant workers for purchaser service roles, so you could possibly be in a position to perform from residence.

The common seasonal consumer support agent helps make about $14 per hour, but this can change a good deal based on the enterprise. The organization will give schooling in advance of permitting you go on your own, so really don’t be as well intimidated if you haven’t worked in this subject ahead of. Experience always helps, nevertheless.

This just isn’t a thorough listing of seasonal careers, and the work accessible in your location may well not involve all these choices. But acquire a search all over and see what’s out there. Glimpse at the pay and come to a decision no matter whether it is really worthy of the several hours expended right before you implement. Be sure to request about how lengthy the organization designs to retain you as well so you can estimate how much you are going to in fact make from the occupation.

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When Is Travel Insurance Worth It?

When Is Travel Insurance Worth It?

Now that Americans returning to the U.S. from abroad are no longer required to test for COVID-19 before boarding a plane, you might be wondering whether to pay up to insure your trip. Travel insurance often seems like an unnecessary cost, particularly when fares are refundable or you don’t have to pay a change fee. But there are situations when you must have it, as well as times when it’s not required but is worth paying for.

What Travel Insurance Covers

Some credit cards provide insurance, but the coverage is limited. By contrast, comprehensive travel insurance policies cover a wide range of expenses. A comprehensive travel policy typically covers damage to rental cars, trip cancellation, lost baggage and medical expenses when you’re abroad.

Most comprehensive travel insurance policies now also include cancellation and medical benefits related to contracting COVID-19. But for other COVID-related concerns, such as border closures, quarantine restrictions or fear of contracting coronavirus, you’ll likely have to pay for what’s called a “cancel for any reason,” or CFAR, upgrade. CFAR travel insurance can tack on an additional 50{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to the cost of travel insurance, but it offers better protection for travelers facing the kinds of interruptions that the pandemic has made commonplace.

Some plans with quarantine coverage will also pay some expenses if you have to stay in place for additional days. Coverage is typically limited; for example, you might be reimbursed $200 per day for two additional days of lodging if you’re required to quarantine abroad.

How Much Travel Insurance Costs

On average, a travel insurance policy costs $248, according to data from SquareMouth, a travel insurance comparison site. But the amount you pay for a policy depends on a number of factors—the length of your trip, the number of travelers you need to insure, and even how old you are. A better estimate is 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to 11{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of the total cost of a trip, experts say. You can compare plans at SquareMouth or TravelInsurance. Choose coverages that make sense for your trip, and be sure to read the fine print of any policy you consider.

Travel insurance policies generally fall into one of three tiers: basic, middle-tier and comprehensive coverage. Although basic is often the most affordable option and includes benefits such as trip cancellation and lost baggage coverage, it may require that you pay a deductible in the event of sickness or injury. Middle-tier coverage typically includes the same benefits as basic policies but adds a health insurance benefit. A more expensive, comprehensive policy may include the benefits of basic or middle-tier policies, but with a higher claim limit. Basic coverage rates average about $105, while middle-tier and comprehensive coverage average about $130 and $164, respectively, according to data from BankRate, a financial website. If you want a CFAR policy, too, that’ll be on top of those costs.

Because older travelers are generally at higher risk of health problems, policies tend to be more expensive the older you are. A 2021 analysis conducted by AdvisorSmith, a small business resource website, estimated that average prices differed from a low of $92 for a young child to a high of $805 for a 100-year-old person. The difference between a 40-year-old’s and 70-year-old’s average cost of travel insurance may come to about $100. But that doesn’t mean older folks can’t find affordable policies; shopping around and comparing plans is key.

When to Buy Travel Insurance

As of June 12, 2022, travelers returning to the U.S. no longer need to test negative for COVID in order to reenter the country, alleviating fears of being stuck in a foreign country longer than planned. But the Centers for Disease Control and Prevention advises anyone experiencing COVID-like symptoms not to travel. And there are other times when opting for travel insurance is worth the cost.

If you are concerned about severe weather upending your trip, about a possible unexpected health incident involving you or a family member, a terrorist attack, or even losing your job, travel insurance policies with basic trip cancellation coverage often cover those reasons for cancelling.

If you are traveling to a destination that has a history of more stringent COVID-related travel restrictions or has had other COVID-related concerns, consider a cancel-for-any-reason policy. Be sure to check the travel restrictions for any countries you are traveling to regularly; some countries are still requiring travel insurance in order to visit.

Plus, there’s no guarantee that the U.S. waiver of COVID testing for air travelers returning from abroad is permanent. The testing requirement is set to be reviewed again on September 10, 90 days after it was lifted. It could be reinstated if there is a new COVID variant of concern—and the highly transmissible BA.5 subvariant of the virus has been a growing threat.

When to Skip Travel Insurance

Whether to pay for a travel insurance policy and what level of coverage you get depends on your personal risk tolerance, of course. But it also depends on whether you’ll have to pay a lot out of pocket if you have to cancel or postpone your plans.

If you’re mainly worried about losing money on costly international flights, for instance, think again before you pay to insure them. That also goes for travel insurance plans offered at checkout when purchasing a plane or train ticket. Although it may seem like a small expense in exchange for the added flexibility, keep in mind that most airfares already have built-in flexibility.

Major U.S. airlines made permanent changes during the pandemic, allowing flexible bookings for most tickets. That means you won’t have to pay a fee if you need to change your flight—as long as you don’t buy the cheapest fares (Southwest allows free changes for all tickets). Also, some travel providers offer flexibility on bookings made within a certain time. For instance, the major airlines and Amtrak offer a refund in the first 24 hours after a booking if you have to cancel or change your itinerary.

Also, when an airline cancels your trip—as long as the flight is arriving at and/or departing from a U.S. airport—you are legally entitled to a refund, per U.S. Department of Transportation regulations. An airline will often automatically issue a credit or voucher for a cancelled flight, but be sure to request a refund if that is what you would prefer, as is your right. Also, if there has been a substantial schedule change (typically of two hours or more) and you decide not to take that flight, you are entitled to a refund of your fare.

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City Council: Finance consultant is worth her price | News, Sports, Jobs

City Council: Finance consultant is worth her price | News, Sports, Jobs
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A new finance expert’s consulting arrangement was authorized by Town Council Thursday and it is previously paying dividends, officers stated.

Tracey Rash, who is with Governing administration Finance Options, Harrisburg, will be working on behalf of the metropolis for the next 120 days or when her expert services achieve an $85,000 cap.

In addition to locating out that the town owed the Interior Profits Service $160,000 in a civil penalty for unreturned 2017 tax papers, Rash told the finance committee and council that she has recovered $15,000 in unclaimed income staying held by the condition, and she is anticipating receiving $40,000 much more owing the city.

Furthermore, she identified that fiscal reviews produced by the city’s technique have not been reconciled given that 2019. Nor had bank accounts and she was seeking to get them reconciled but right up until they are figures could not be accurate, she warned.

She proceeds to meet with office heads and is operating on corrective motion regarding Federal Crisis Management Company grants for smoke alarms and a U.S. Section of Justice grant for protecting gear all through the COVID pandemic.

At the finish of June, Joseph Pawlak, interim finance director, was permit go.

Rash was introduced in since of her experience, including 32 yrs of auditing providers.

Her job remains to enable get the city’s finances in purchase and then let anyone else appear in to get it from there, Mayor Derek Slaughter explained to the finance committee this week.

Money solutions.

Councilwoman Liz Miele stated she was glad to see these reconciliation of accounts and accurate figures as the metropolis prepares its spending budget discussion in November.

Aspect of Rash’s function has been working with the new River Valley Transit Authority and as the town continues to separate funds to guarantee money in the authority is precise.

Her one particular thirty day period invoice was $13,382.

Tasks finished

With regard to the Bureau of Fire, there are quite a few federal grants that are in excess of a calendar year guiding reporting.

“I was working with the main to get the data together to be ready to report on people federal grants,” Rash explained.

“In regards to that, I spoke with Federal Crisis Management Company (FEMA), who is a single of your grantees, and when I was on the mobile phone with her, she told me that you had been selected for a checking so FEMA comes out and checks . . . and there was no reaction from the city so those matters are even now superb,” she explained.

There are minimal financial institution reconciliations finished because Dec. 31, 2019, “so the info in your system is not precise so I gave them historic data but it is only as very good as what’s in this procedure ideal now, so we will be doing work in the direction of obtaining budgets with each other and I have also attended the pension board conference for the fireplace office,” Rash stated.

In terms of finances, Rash submitted the quarterly taxes for the 2nd quarter, “and in digging by means of piles of paper that were remaining in the finance office, I discovered an Inner Profits Support see for the 4th quarter of 2021,” she explained.

“In calling the IRS, I was explained to you really had a few challenges fantastic — the most significant one particular being that you have a recognize from 2017 that you did not file selected paperwork with the IRS and that they had sent you several notices, none of which have been responded to and that you are now in civil penalty section which implies that the likelihood of acquiring all those penalties abated is next to almost nothing,” Rash reported.

Rash asked the IRS to send her a transcript of the documentation so that she can publish an abatement letter and try on the metropolis behalf to get that penalty of $160,000 abated.

Two concerns had been fixed with the IRS on people phone calls.

Rash also identified that “you experienced funds in what’s identified as Pennsylvania unclaimed resources so I went on to the unclaimed money web page. I drew down your funds from those people entities,” she explained.

“I’ve been answering thoughts for division heads and vendors, digging by several piles of envelopes that are opened and unopened and invoices that are sitting down all over,” she reported.

Rash submitted quite a few paperwork, satisfied with RVTA about their cash reconciliations, fulfilled with human sources and several men and women concerning pension, military services buyback and fall pension calculations.

She mentioned the town 2017 audit was not complete. She is meeting with a number of people remotely regarding money administration and doing work with M&T Lender to get all metropolis accounts transitioned into the acceptable names.

“I’ve also been working on putting together a procurement policy for a lot more policy for the city and I’ve met with software distributors for your accounting method for the reason that it is appreciably out-of-date,” she said.

A number of experiences are unavailable to the metropolis in the recent method, so Rash has been supplying some opinions on these accounting programs.

Yet to be finished are the pension calculations and the military buyback calculations and the fall calculations.

Rash is examining prior audits, finishing the spending plan worksheets for the non-typical fund resources and then continuing to dig by the piles of paper that keep on being in finance.

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Is Disney Travel Insurance Worth the Cost? | Travel

Is Disney Travel Insurance Worth the Cost? | Travel

A Disney getaway can be a trip of a lifetime. It can also be the most highly-priced journey of your life span.

For quite a few, purchasing journey insurance coverage should be just as crucial as acquiring a churro as you cruise down Major Avenue. Immediately after all, we’re nonetheless in the midst of a pandemic. But which is not the only motive you may possibly terminate. Perhaps you booked a trip but afterwards shed your position you could want to delay until eventually you regain a steady income stream. Possibly your kid breaks his leg and you want to rebook when it is healed.

Trip insurance coverage can be purchased from a dedicated journey insurance plan firm, or you could possibly currently have it by holding specified credit score cards. Or else, you could possibly buy it immediately from Disney, which delivers insurance coverage as an insert-on for getaway deals at its U.S. concept parks.

Is Disney travel insurance well worth it, or are there superior offers out there?

People are also reading…

What Disney travel insurance policies addresses

If you’re heading to Walt Disney Entire world in Florida or Disneyland in California and you have booked a trip deal (this means a resort and theme park tickets), you’re suitable to invest in Disney’s Vacation Security Approach. Underwritten by Arch Coverage Enterprise, it’s out there for invest in by U.S. residents and U.S. citizens residing abroad who ebook via Disney’s internet site.

Correct coverage and reward availability varies dependent on where by you stay, but it usually incorporates:

  • Vacation cancellation or interruption: Reimburses pay as you go travel up to your total excursion cost for covered causes such as illness, injury, job decline or army assistance.
  • Trip hold off: Reimburses qualified bills of up to $200 per day ($600 per trip).
  • Baggage decline: Reimburses up to $2,000 for dropped, stolen or ruined baggage.
  • Bag delay: Reimburses purchases of necessary items if your bags are delayed 12 or more hours.
  • Unexpected emergency health-related expenditures: Provides up to $25,000 of protection if you get unwell or wounded when touring.
  • Rental motor vehicle harm: Reimburses mend charges up to $25,000 in the function of collision, theft, hurt or vandalism.

How a great deal is Disney travel insurance?

Even though Disney does not outright condition its selling prices, a NerdWallet evaluation of many vacation offers uncovered that it prices a flat price of $82.50 per grownup and $6 for each kid.

Flat-rate vacation insurance plan can be good for extremely-highly-priced journeys, but a bad deal for spending budget journeys.

Consider a seven-night stay for the duration of the week of Xmas 2022 for a relatives of four (two grown ups and two little ones) at Disney’s opulent Grand Floridian Vacation resort & Spa. E book it alongside six-day theme park tickets with all the include-ons — like water park admission — and you’d spend about $12,000. Including on journey insurance coverage would cost $177, which is 1.4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your overall price.

But say you as an alternative prepared a journey at the conclude of September when the young ones are back again at university. Two older people could keep at Disney’s All-Star Motion pictures Vacation resort with simple, two-working day tickets for just $850. Introducing Disney’s insurance policies would boost your offer price tag to around $1,000, which is an in general price maximize of nearly 20{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a}.

Journey insurance plan that nets out to just 1.4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your total vacation charge is a deal, but 20{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} is much from it. Following all, most travel insurance plan fees between 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to 8{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of the full vacation, according to the U.S. Journey Insurance policies Affiliation.

Reasons to get Disney journey coverage

Flat-price vacation insurance policy, as Disney presents, is quite unusual. Most insurance policies are priced primarily based on variables which includes the length of your trip, your location and the age of the policyholder.

Here’s why it could make a good offer:

Flat-fee pricing is much better for extra expensive visits: If a expensive journey is heading to outcome in similarly costly journey coverage, opting for flat-level pricing is clever. And it is not just a extravagant hotel and Disney theme park tickets with all the insert-ons like entrance-of-the–line passes. Component in other nonrefundable excursion things, these types of as airfare and pre-paid rental cars and trucks. If you are traveling to start with class, or you are a target to mounting rental motor vehicle rates, then flat rate insurance plan is specially desirable.

You are an more mature grownup: Vacation insurance plan charges are dependent on possibility, and insurance coverage is a lot more highly-priced for older tourists, who are additional very likely to experience well being complications, in accordance to Allianz Vacation Insurance policy.

Simply because Disney’s only age differentiator is youngster versus grownup, its system could possibly be much less expensive for more mature grownups as opposed to heading with an independent insurance provider.

Lots of other insurance policies will not go over topic park tickets: Ever considering that the COVID-19 pandemic, Disney has expected tourists to make progress reservations to enter its U.S. concept parks. The times of getting tickets very first issue in the morning are absent. For well-liked times, you will typically have to reserve your tickets months in progress. But when most guidelines deal with cruises, airfare, lodging and excursions, it is challenging to find insurance policies that include theme park tickets.

Due to the fact of the higher price of Disney tickets (and the actuality that most Disney tickets are nontransferable and nonrefundable), you probable want to be covered for all those far too.

Factors to skip Disney travel insurance policy

But most persons would be superior off skipping Disney insurance policy. Below are a handful of explanations why:

Highest protection is reasonably small: Disney’s insurance coverage will shell out out a highest of $25,000 in the function of accidental loss of life and dismemberment, even though it’s prevalent to come across coverage of up to $500,000 in other places.

In the same way, Disney’s policy covers up to $2,000 for misplaced baggage. That may well be insufficient if you have packed a extravagant camera. With other coverage policies, protection of at minimum $3,000 is frequent.

And Disney’s rental car or truck protection only reimburses maintenance fees of up to $25,000. Especially provided climbing auto selling prices, that may possibly not be ample for severe mishaps.

Coverage is limited: Actually receiving reimbursed with your Disney vacation coverage can be tricky. Included activities are restricted to narrow predicaments, including damage, a loved ones member’s loss of life or jury responsibility. Moreover, you will have to deliver proof, like a court docket purchase or dying certification. Disney’s insurance coverage also won’t cover pre-existing situations.

You really do not want to reserve a Disney hotel: Disney’s insurance policy is only offered to tourists being at one particular of Disney’s possess (highly-priced) resorts. If you’re likely to Disney Earth on the cheap, remaining off-assets is almost usually more affordable. Really don’t allow eligibility to purchase Disney coverage persuade you to reserve a Disney resort which is exterior of your ideal spending plan.

Much better solutions to Disney journey insurance coverage

Before your Disney excursion, compare vacation insurance plan quotes from several vendors. And really do not forget these other sorts of journey coverage:

Cancel For Any Purpose protection

Possibly an uptick in COVID-19 conditions has you looking at vacation. Or it’s possible an damage is blocking you from journey, but you do not have a doctor’s observe to verify it. Presented the confined range of factors that qualify for protection, you could be better off with “Cancel For Any Reason” coverage, which covers you no make a difference why you terminate.

Search to your credit card

Some credit rating playing cards supply travel insurance policies as a advantage, as prolonged as you procured the excursion on that card. Given the higher value of vacation insurance plan, this gain alone can typically be really worth the usually-significant once-a-year fees these cards demand.

Check out with your bank to see what is covered. For illustration, the insurance policy provided through quite a few Chase credit score cards explicitly won’t cover theme park tickets.

When is Disney travel insurance policy really worth it?

Specified the uncertainty of vacation these times, even a swift weekend getaway ought to have some diploma of insurance plan. But you may possibly not want to pay back for Disney’s travel coverage.

As very long as you’re Alright with your concept park tickets not becoming insured, the vacation insurance policies provided via many credit history cards is very likely a greater guess, and could not expense you something after you maintain the card. If you seriously want to guarantee coverage, paying for a Terminate For Any Explanation could possibly be even much better.

Photo courtesy of Disneyland Vacation resort.

The article Is Disney Vacation Insurance policy Worth the Expense? initially appeared on NerdWallet.

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Is Disney Travel Insurance Worth the Cost?

Is Disney Travel Insurance Worth the Cost?

A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime.

For many, buying travel insurance should be just as essential as buying a churro as you cruise down Main Street. After all, we’re still in the midst of a pandemic. But that’s not the only reason you might cancel. Maybe you booked a vacation but later lost your job; you might want to delay until you regain a stable income stream. Maybe your kid breaks his leg and you want to rebook when it’s healed.

Trip insurance can be purchased from a dedicated travel insurance company, or you might already have it by holding certain credit cards. Otherwise, you might buy it directly from Disney, which offers insurance as an add-on for vacation packages at its U.S. theme parks.

Is Disney travel insurance worth it, or are there better deals out there?

What Disney travel insurance covers

If you’re heading to Walt Disney World in Florida or Disneyland in California and you’ve booked a vacation package (meaning a hotel and theme park tickets), you’re eligible to purchase Disney’s Travel Protection Plan. Underwritten by Arch Insurance Company, it’s available for purchase by U.S. residents and U.S. citizens living abroad who book through Disney’s website.

Exact coverage and benefit availability varies based on where you live, but it typically includes:

  • Trip cancellation or interruption: Reimburses prepaid travel up to your total trip cost for covered reasons including illness, injury, job loss or military service.
  • Trip delay: Reimburses eligible expenses of up to $200 per day ($600 per trip).
  • Baggage loss: Reimburses up to $2,000 for lost, stolen or damaged luggage.
  • Bag delay: Reimburses purchases of necessary items if your bags are delayed 12 or more hours.
  • Emergency medical expenses: Provides up to $25,000 of coverage if you get ill or injured while traveling.
  • Rental car damage: Reimburses repair costs up to $25,000 in the event of collision, theft, damage or vandalism.

How much is Disney travel insurance?

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $82.50 per adult and $6 per child.

Flat-rate travel insurance can be good for ultra-expensive trips, but a bad deal for budget trips.

Take a seven-night stay during the week of Christmas 2022 for a family of four (two adults and two children) at Disney’s opulent Grand Floridian Resort & Spa. Book it alongside six-day theme park tickets with all the add-ons — like water park admission — and you’d pay about $12,000. Adding on travel insurance would cost $177, which is 1.4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your overall cost.

But say you instead planned a trip at the end of September when the kids are back at school. Two adults could stay at Disney’s All-Star Movies Resort with basic, two-day tickets for just $850. Adding Disney’s insurance would increase your package cost to over $1,000, which is an overall price increase of nearly 20{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a}.

Travel insurance that nets out to just 1.4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your overall trip cost is a deal, but 20{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} is far from it. After all, most travel insurance costs between 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to 8{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of the total trip, according to the U.S. Travel Insurance Association.

Reasons to get Disney travel insurance

Flat-rate travel insurance, as Disney offers, is pretty rare. Most policies are priced based on factors including the length of your trip, your destination and the age of the policyholder.

Here’s why it might make a good deal:

Flat-rate pricing is better for more expensive trips: If a costly trip is going to result in equally costly travel insurance, opting for flat-rate pricing is smart. And it’s not just a fancy hotel and Disney theme park tickets with all the add-ons like front-of-the–line passes. Factor in other nonrefundable trip elements, such as airfare and pre-paid rental cars. If you’re flying first class, or you’re a victim to rising rental car prices, then flat rate insurance is especially appealing.

You’re an older adult: Travel insurance costs are based on risk, and insurance is more expensive for older travelers, who are more likely to experience health problems, according to Allianz Travel Insurance.

Because Disney’s only age differentiator is child versus adult, its plan might be cheaper for older adults versus going with an independent insurer.

Many other policies won’t cover theme park tickets: Ever since the COVID-19 pandemic, Disney has required travelers to make advance reservations to enter its U.S. theme parks. The days of buying tickets first thing in the morning are gone. For popular days, you’ll often have to reserve your tickets months in advance. But while most policies cover cruises, airfare, lodging and tours, it’s tough to find policies that cover theme park tickets.

Because of the high cost of Disney tickets (and the fact that most Disney tickets are nontransferable and nonrefundable), you likely want to be covered for those too.

Reasons to skip Disney travel insurance

But most people would be better off skipping Disney insurance. Here are a few reasons why:

Maximum coverage is relatively low: Disney’s insurance will pay out a maximum of $25,000 in the event of accidental death and dismemberment, while it’s common to find coverage of up to $500,000 elsewhere.

Similarly, Disney’s policy covers up to $2,000 for lost baggage. That might be insufficient if you’ve packed a fancy camera. With other insurance policies, coverage of at least $3,000 is common.

And Disney’s rental car coverage only reimburses repair costs of up to $25,000. Especially given rising car prices, that might not be enough for serious accidents.

Coverage is limited: Actually getting reimbursed with your Disney travel insurance can be tricky. Covered events are restricted to narrow situations, including injury, a family member’s death or jury duty. Plus, you must provide proof, like a court order or death certificate. Disney’s insurance also won’t cover pre-existing conditions.

You don’t want to book a Disney hotel: Disney’s insurance is only available to travelers staying at one of Disney’s own (expensive) resorts. If you’re going to Disney World on the cheap, staying off-property is almost always cheaper. Don’t let eligibility to purchase Disney insurance persuade you to book a Disney resort that’s outside of your ideal budget.

Better alternatives to Disney travel insurance

Before your Disney trip, compare travel insurance quotes from multiple providers. And don’t overlook these other types of travel insurance:

Cancel For Any Reason coverage

Perhaps an uptick in COVID-19 cases has you considering travel. Or maybe an injury is preventing you from travel, but you don’t have a doctor’s note to prove it. Given the limited number of reasons that qualify for coverage, you might be better off with “Cancel For Any Reason” coverage, which covers you no matter why you cancel.

Look to your credit card

Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card. Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge.

Check with your bank to see what’s covered. For example, the insurance offered via many Chase credit cards explicitly won’t cover theme park tickets.

When is Disney travel insurance worth it?

Given the uncertainty of travel these days, even a quick weekend getaway should have some degree of insurance. But you might not need to pay for Disney’s travel insurance.

As long as you’re OK with your theme park tickets not being insured, the travel insurance offered through many credit cards is likely a better bet, and might not cost you anything once you hold the card. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.

Photo courtesy of Disneyland Resort.

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Travel insurance review: Is MSIG travel insurance worth it?, Lifestyle News

Travel insurance review: Is MSIG travel insurance worth it?, Lifestyle News

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance.

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the three tiers of MSIG TravelEasy insurance plans, the Covid-19 extension as well as the TravelEasy Pre-Ex plans:
















Travel insurance plan Standard Elite Premier
Price for one week (Asean) $57 $76.50 $107
Price for one week (Asia) $70.50 $94.50 $132.50
Price for one week (worldwide) $102.50 $127 $175
Promotion 40per cent off single trip plans till 30 April 2022
Medical expenses (overseas) $250,000 $500,000 $1,000,000
Emergency medical evacuation $1,000,000 $1,000,000 $1,000,000
Personal accident (death & TPD) $150,000 $200,000 $500,000
Travel delay ($100 every six hours) $500 $1,000 $1,500
Trip cancellation $5,000 $10,000 $15,000
Baggage delay $150 every 6 hours up to $600 $250 every 6 hours up to $1,000 $375 every 6 hours up to $1,500
Baggage loss/damage $3,000 $5,000 $7,500
Adventure activities covered? No Yes Yes

Here’s a summary of the Covid-19 extension that applies to single trip policies:









Covid-19 benefits Standard Elite Premier
Overseas medical expenses  $65,000 $130,000 $200,000
Emergency medical evacuation $65,000 $130,000 $200,000
Overseas quarantine allowance N.A. N.A. N.A.
Trip cancellation $1,000 $2,000 $3,000
Trip postponement $1,000 $2,000 $3,000

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:



















Annual travel insurance plan Pre-Ex Standard Pre-Ex Elite Pre-Ex Premier
Price for Asean $70.50 $90 $120.50
Price for Asia $85 $107 $148
Price for worldwide $115 $147.50 $192.50
Promotion No promotion currently
Overseas medical expenses due to pre-existing condition $75,000 $100,000 $150,000
All other medical expenses (overseas) $250,000 $500,000 $1,000,000
Emergency medical evacuation due to pre-existing condition $100,000 $150,000 $200,000
All other emergency medical evacuation $1,000,000 $1,000,000 $1,000,000
Personal accident (death & TPD) $150,000 $200,000 $500,000
Travel delay ($100 every six hours) $500 $1,000 $1,500
Trip cancellation $5,000 $10,000 $15,000
Can claim for delay or cancellation caused by pre-existing condition? No No No
Baggage delay $150 every six hours up to $600 $200 every six hours up to $1,000 $250 every six hours up to $1,500
Baggage loss/damage $3,000 $5,000 $7,500
Adventure activities covered? Yes

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40 per cent discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in Asean, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page.

As long as the 40 per cent promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

ALSO READ: What to look out for when buying travel insurance in Singapore (2022)

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities, even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:















Outdoor activity Covered by MSIG?
Hot air balloon Elite & Premier only
Scuba diving Elite & Premier only (up to 30m)
Skiing and other ice/snow sports Elite & Premier only
Hiking or trekking Elite & Premier only (up to 3,000m)
Mountaineering or outdoor rock climbing Elite & Premier only (up to 3,000m)
Marathons or other competitions Elite & Premier only (marathon up to 42.195km)
Jet skiing Elite & Premier only
White water rafting Elite & Premier only (up to Grade 3)
Skydiving Elite & Premier only
Paragliding, hang gliding or parachuting Elite & Premier only
Bungee jumping Elite & Premier only

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its Covid-19 extension. It’s payout of $65,000 for overseas medical fees due to Covid-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on  MSIG’s travel insurance claims page). Or you can download it and email MSIG at claims@sg.msig-asia.com

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within two to three weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their Covid-19 extension is not the most comprehensive in its coverage. 

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too. 

ALSO READ: Travel insurance: Promo codes for 2022 and 7 more ways to save on it

This article was first published in MoneySmart.