I'm curious if most people purchase trip insurance? If so, do you get it thru Disney with the package? If I understand correctly, the full amount due in full 45 days prior to our trip is refundable if we have to cancel for any reason, minus the $200 deposit and the cost of the trip insurance at that point. If its $151 for the insurance (quoted to me by my travel agent), I'm not sure its worth it? Unless people have trouble getting the refunds without it or something like that? A little backstory...we are going with my parents and due to health issues my dad has had, they have had to cancel 2 big vacations in the last 3 years alone, so we definitely want to be covered! Thank you!