Not sure where this belongs, but I ten to hang out in the budget forum... Has anyone had to USE the Disney Insurance? We got it with our package and ended up having to send my sis to the ER day 2. She stayed ther for a week. She's fine now. Question is, how easy is the claim filing? We are working on it now and have talked to people at travelguard. Just wondering how quick and easy things will go and if they truly do cover the things they say they will. (motel for family, food, ambulance, hospital co pay, etc) 
