Does anyone else think this is an attempt by Disney to increase revenues (in a covert way) via selling more trip insurance? The FP+ system irritates me for many reasons, the biggest one being that you now have to buy NONREFUNDABLE tickets at least 60 days in advance. I don't like paying for anything that's non-refundable that far in advance, the exception being plane tickets (and I even have my limits with that). In general, I don't like to pre-pay for services I have not yet received, especially when I'm not going to receive those services for months. Prepaying for hundreds (or thousands, if you are a large family) in theme park tickets just doesn't seem like a practical or wise use of my money.
I previously NEVER needed trip insurance for a WDW vacation. I would book room-only reservations (requiring a small deposit that had a reasonable cancellation policy) and buy tickets at the hotel when we arrived. Always worked great for me, especially if I was waiting to check the local weather before planning something like a trip to a water park.
But now, trip insurance is almost mandatory. And Disney sells it, at a HUGE mark-up compared to independent companies. I bought trip insurance for our cruise through a third-party and it was less than 1/2 the cost of what Disney offered. We are scheduled on an
Adventures By Disney trip in a few weeks, and I didn't even look at the trip insurance quote they provided. But I'm sure plenty of people just tack on whatever insurance Disney offers because they simply don't know any better.
I'm sorry, but for the amount of money Disney is asking you to front for a theme park vacation, I'll book something much more inclusive (and relaxing) where I'm not also fighting other guests for dining and activity reservations in the weeks and months before the trip departs. Or we will return to Universal, where the experience (both planning and visiting) is much closer to the Disney that I used to enjoy.
My family went to Disney at least once or twice a year from the mid-eighties until the mid-nineties. My parents held APs for us for many years. Some of my happiest memories are from trips to WDW. I have now taken my own son four times, but I really don't see us going again. This is in part because there are many more places he wants to visit, but also because I am really turned off by all of the new policies and rules that, IMO, negatively impact the vacation experience.