So, I called the DVC insurance line (Insurance that DVC offers) this week before booking the DVC Member Cruise. They said the following: (I am booking 1 person on points, other cash) We will cover the dues based on the points you use. For instance-202 points used for cruise x dues/point.
Say BWV dues are $7.00/point x 202=$1414. From my understanding, you will not get the points back...
On the cash part, they will pay the full amount of cash for the other person. Now that was what I was told by the DVC
travel insurance people......