Does one have to pay for /charge excursions booked through Disney when signing up on line? What is their cancellation policy? Although I would love to plan and book on my own to save money, I am afraid I will not be able to get Flounder time and my older kid will not like the kids club, so very afraid to risk it. Dh and I thought we may just board the ship and wing it, but that is risky too....we may not get what we want.