Beware - WDTC usually adds nonrefundable travel insurance to your package by default. If you don't want it, tell them while you are making the reservation. Once you hang up, it's too late. You can add the insurance later if you wish, up until your final payment is due. You can also buy travel insurance directly and usually save some money that way.
This is not accurate. You have 14 days to cancel the insurance off once you have made your reservation.
Did it myself, so I know it to be factual. Booked Dec 19th and when I changed to WL on Dec 30th, I had the insurance removed from my reservation. I was told by the CM who I asked if I could remove it that if it was within 14 days of booking I could.
Wish I was doing that. You are right about the travel insurance and the 14 days. It is printed on the back of your conformation in the "Cancellation and change fees prior to guest arrival" section. I did this also when I booked last year. Just beware the cm I had told me because I paid in full(this was 6 months in advance) that they do not refund the ins. but they were going to do it anyway. This is not true. It does not stipulate any payment you may have made it just says within 14 days of booking.I have always been told that after 14-days, insurance is not refundable. You are not paying this to Disney, but to TravelGuard.

Last year we booked and paid in full right away. They had added travel insurance without even asking if we wanted it (FYI, if you call to book, they cannot just add on insurance without your knowledge...they cannot make it default add on, they MUST ask if it's an option you want). When I hung up, I checked rate online, and realized they added insurance (cost diff) so I called back. The CM said they gladly refund and/or drop insurance as long as it's within 14 days of booking. He also wasn't very pleased that a CM added it onto my package without my knowledge.
They also automatically add it on online, you can take it off of course, but if you weren't paying attention it would also be added on.
The difference is that the option is visible and you have the option to uncheck it. When you book via phone, the option has to be presented as an option...they cannot automatically add it without your knowledge.
If they do it, you can always call back and ask to speak to a supervisor. Make sure whenever you book something that you note the CM's name just in case any problems arise...that way YOU have documentation (I'm sure their system denotes who booked the ressie, but at least if you need to write something or whatever, you have the person's name). It really upsets me that there are CMs who add on optional items without even mentioning them to the guest.I totally agree with you but they do it. Not sure how they get away with it.