My personal experience is that on Tuesday, I had to cancel DVC and a cruise trip that was to begin on Wednesday. A problem came up, and I went to my health provider who will fill out the insurance forms. The points went into holding, and I am very fortunate that I was able to book a one bedroom at SSR for a few days before our upcoming May trip! Then I added a studio, at Riviera, for our DS and a DGD! Voila! Our holding points were used!
Just last weekend we had decided that in spite of being in our 70’s we were well enough to do the trip. Then this happened!!
DCL has just announced more generous cancellation and rebooking policies, and we missed that by a few days. They only gave us about $200 back, so I am hoping the insurance works for us. Air was on SW, so that’s OK.