Insurance for trips?

[DisneyStarWisher]

Do any of you purchase insurance for your DVC trips? I just got off the phone with the insurance company and they said they could not cover the Dining Plan because it is not pre-paid, nor could they cover any tickets that are purchased upon check-in. I'm just concerned about trip interruption for a family emergency or illness. I'm going through this right now with a non-DVC trip. What happens if you pay for Disney Disney and your tickets when you check-in, but your trip is interrupted for one of those reasons? I know without the no expiration add-on, you will lose your tickets, but what about the Dining Plan? How can you insure that? Also, what happens to your remaining points? Do they go into a holding account? That is the only thing the insurance company wanted to cover, but I don't understand because I didn't think you could actually lose points that you have not used. I hope I'm making sense! Can anyone help?

[Disney_Villain]

For our DVC ressies, we've taken cancellation insurance out on our points on our rooms, our airfare - but not for our DP or park passes. You cannot insure park passes or DP.

[DisneyStarWisher]

But if your trip is interrupted by an emergency, don't the points you haven't used go back to you but are in a holding account? Say you are staying 5 nights at 12 points a night, but after the second night, you must cancel the rest of your trip. Won't the 3 remaining nights (3 x 12 = 36 points) be given back to you but remain in holding?