Thanks to the many posters here who have mentioned trip insurance. I've never bothered with it because my trips haven't been all that expensive. In October though I've got two rooms at the Wilderness Lodge, WDW annual passes for two members of the party (the rest of us already have them), five MNSSHP tickets and it's hurricane season. This is the most expensive Disney trip we've ever taken. I just bought some trip insurance and I think just for the peace of mind it's going to be worth every cent.