I also asked this in the resorts area but thought I would ask my fellow Canucks!
Do you buy the insurance? If not with WDW TC, then who? THanks
We have an annual insurance policy tied to my BMO mastercard..details below. ITs the most reasonable option for our family.
Comprehensive Coverage
BMO Travel Protection with Trip Cancellation $80*/year
Collision damage waiver insurance for car rentals
Up to $500,000 in common carrier accidental death and dismemberment insurance**
Up to $2,500 per family member and $5,000 per account towards costs associated with trip cancellation
Up to $2,000 per family member towards costs associated with trip interruption or trip delay
Up to $750 per trip, per family member towards costs associated with baggage delay, loss or damage
Up to $500 per account per trip towards costs associated with delayed flights
Unexpected return home and trip assistance
Unlimited number of trips per year
BMO 31 Day Medical Protection $110*/year
Must be under age 65
Up to $2 million reimbursement for eligible costs, including emergency hospital, ambulance and medical expenses
Up to $5,000 towards the cost of a Private Duty Nurse
Up to $2,000 per family member towards emergency dental expenses
Emergency air transportation by air ambulance to the nearest appropriate medical facility or to a Canadian hospital
Year-round coverage for trips up to 31 days in length
Unlimited number of trips per year
http://www.bmo.com/home/personal/banking/insurance/travel/year-round#comprehensive