Thanks for all your replies. I booked my pacakage this morning with free dining at the POLY. We decided to purchase the Disney Insurance. I did a little research on other travel insurance companies and Disney Ins. still seemed the best choice for us. DH and I both have elderly grandparents and DH's parents are not in the best health in their 60's. Not to mention traveling with children and during hurricane season. This will provide us with peace of mind.
By the way, my aunt and uncle had to cancel a two week trip to Israel hours before their flight was supposed to leave, because a family member died. They got every penny back thanks to trip ins.