I always buy trip insurance when I cruise because I have a child with asthma/allergies and living in the north there is always a chance that weather will delay your flight. If we miss the ship it's leaving without us and the the thought of being in another country and needing medical help makes it easy to justify the travel insurance cost. However, I am having a difficult time trying to decide to buy it for our Disney package. I know that I would not purchase it from Disney as I can get it cheaper and more coverage with the company I use for cruise insurance so I had it removed when I booked my package. This is the first time I have bought a Disney package with dining. I usually do the room only and buy my park tickets seperate which makes it easier to cancel if needed. How hard is it to get back the $ paid to Disney for your package if you had to cancel? Am I understanding the cancellation policy correct? I can cancel the day of and only be out $200? I am not worried about medical as we are in the US and if our flights are delayed we may miss a night but those losses would not be worth paying for insurance.
Does anyone have any experience cancelling a Disney package they could share with me? I'm leaning toward not getting the insurance and need a little assurance that this would be a good choice. Thanks.