My story with DCL and granted, I did not buy
trip insurance which is my fault, but I didn't know how to do it or if it was needed because I booked entirely on points (I refuse to do it with Disney because of the price difference between any other trip insurance vendors). So, we had a trip for a 4 day Bahama cruise booked for the 3 of us, myself, DH and daughter (16). At the very beginning of March, DH fell down the stairs and smashed his heel into many pieces. The doctor said no way to the cruise. I immediately called member services to see if I could move the cruise to a time with comparable points and of course, pay the $95 booking fee again with any more associated costs. They said they had to check with DCL after finding a cruise with the appropriate points. DCL said no way. Long story short. DD and I went in order to not lose everything, and came away with 40 reservation points that will incur the $95 fee that I have to use before Nov. 30th. I do not blame
DVC, I blame DCL. Never again will I use points.