If I have trip insurance and have to cancel--what happens to DVC points?

[Rock'n Robin]

We have a cruise/VWL vacation booked for June 29-July 6. I have not purchased trip insurance yet because I know I have until 60 days out. In truth, I really wasn't going to!
But now BIL's Army reserve unit is going to get called up any day--he is on alert status. If he does get called up we will need to have the insurance in case, God forbid, something happens during our trip. We would need to fly home.
I know trip insurance from anyone would have the trip specifics covered. But what about my DVC points? I booked all but the youngest child with points plus our VWL stay, using all my BWV points through 2004 and even a few of my VWL 2004 in the process. I am guessing that to have the points restored to my account, I will have to book the insurance through DVC instead of say, access america, which is cheaper, correct?
Any information would be appreciated.
Robin M.

 

[DebbieB]

The insurance offered through DVC (Travel Guard) does not restore the points to your account, it pays you $5 per point. There are 3 different packages they offer, Vacation Point Coverage, Airline Ticket Coverage & Medical Coverages. I have the flyer in front of me,you can call 1-866-690-6858, refer to ID # 007004.

 

[Disneyaholic]

You might also want to make sure that deployment would be covered under the insurance. The restrictions on insurance like this are usuallly pretty strict.

 

[Rock'n Robin]

Oh I'm not worried about him being deployed--he should be gone by then, and even if he leaves during our trip we don't need to say goodbye to him--I'm worried about if something happens to him in action.
Robin M.