I'm also sorry for your loss, and pleased to hear that Disney refunded the cost.
However, for others reading the thread, this was a "nice thing" that Disney did, and in no way something that they *had* to do. This is exactly what
trip insurance is for. If you have a pre-paid package of even modest cost, it is well worth the peace of mind to buy trip insurance to recover losses due to unforseen circumstances. For what it's worth, Disney's trip insurance is probably not the best possible value---mousesavers has good information on alternate suppliers.
If you don't purchase trip insurance, you need to be willing to accept that anything you pay in advance, that is non-refundable, is not going to be refunded no matter what happens.