Am I up the creek?

[bcalloway]

So we have a trip planned for September 18-26.
We booked just the room so far with dvc points rented through a friend who is an owner.
My husband told me weeks ago to get trip insurance weeks ago. I thought I could purchase at any time. It looks like cancel for any reason insurance has to be purchased within 21 days of deposit. I am now past that time do I have any options in case Disney is not open by September?

 

[starry_solo]

Ask your friend what his or her banking deadlines are for the points used for the trip. If he can still bank the points and he has time to do so, and he's willing to refund, then let him know

 

[bcalloway]

I don't want to cancel yet. If Disney is open we will go. But if they are still closed, are we out of luck and will just lose our money?

 

[Sandisw]

I don't want to cancel yet. If Disney is open we will go. But if they are still closed, are we out of luck and will just lose our money?

Knowing your options and your friends options for the points at least gives you options to consider, which will impact the answer to your question.

The only thing we know for sure is the longer you wait, the less options you will have.

 

[bcalloway]

That's the thing, what are my options? If she can't refund me, do I even have another option?

 

[robinb]

Can you buy 3rd party insurance?

 

[bcalloway]

Can you buy 3rd party insurance?

Cancel at anytime coverage had to be purchased by 21 of making the deposit and I am past that.

 

[robinb]

Which deposit? To your friend or when she made the reservation?

 

[Sandisw]

That's the thing, what are my options? If she can't refund me, do I even have another option?

Your options will be whatever options your friend can offer you, Rentals are private transactions,

So, if your friend says they can’t refund you, then you can ask if she can rebook you. If she says the points are only good until X, and there are no rooms before X, then you are out of luck.

Best case, if resort is closed, is that the points she used have a long shelf life, that she can rebook you, and there are rooms,

But, everyday you wait to decide, the rooms are drying up. Right now, getting much through January, is slim.

By July, if it seems your trip is a no go, getting a new room will be even harder, and that is assuming you’re friends points are eligible for bookings next Spring

 

[bcalloway]

Thank you everyone. I got in touch with my friend and she said she can refund me and bank her points to sell them again.
I appreciate everyone helping!

 

[Jack_Sparrow_NJ]

Could you even get insurance since it is a personal transaction between you and a friend ?

 

[bcalloway]

Could you even get insurance since it is a personal transaction between you and a friend ?

I thought I could, but I didn't think of it the way you put it, so I don't know. Good question! Maybe someone else knows the answer?