I'm considering booking onsite for a trip in the next few weeks but the 8-day cancellation policy is starting to push me toward some off-site hotels that allow cancellation until 1 day before check-in. I have a relative (not going on the trip) whose health has declined and I may end up needing to reschedule if something happens. Has anyone run into something similar and actually lost the deposit if you called Disney to reschedule once the deadline has passed?