I personally don't think it's worth it. I've now been told by 2 CMs that we can change our dates of travel up until the day of arrival with no more than a $65 change fee (and that's only if our new dates cost less, which probably won't happen now that we have
free dining). We're in the middle of an adoption process and may end up having to change at the last minute, not knowing when things will happen with that. So, I'm not sure it makes sense to pay for
trip insurance IF you are willing/able to move your trip dates, not cancel. The only problem I can see is possibly not getting a refund on your airfare.