My husband had an unplanned medical emergency that resulted in surgery and hospitalization. We were scheduled to be at Aulani during that time. I had purchased insurance through DVC. Has anyone gone through this? What were you able to get reimbursed for. Disney was great and let me bank some of the points rather that putting them into holding. However 172 points did have to go into holding? Could I get reimbursed for those in cash from the insurance policy? We have to use them by October and I don't think we will be able to do that. My other concern is the flight cost. Our tickets were over $5000 to Hawaii. United will allow me to rebook with a service charge but they have to also be used by October. It going to be very hard to spend $5000 on airfare. Help i am just sick about all of this and I don't know what to do?