Just wondering if anyone can give me some insight into this. We used 1/2 cash and 1/2 points to pay for our upcoming cruise in January. I called Travel Guard (DVC's insurance) and was quoted $148 to cover both the cash and points. I gave them the amount of cash I paid, but should I (or can I) up that to include other costs such as gas (we're driving) or any pre-paid excursions we do on our own? Has anyone had to cancel and recoup expenses from them? Any info you can give me on this would be appreciated. Thanks!