I'm pretty sure that you would not get 100% back even with the inusrance. I know Disney's insurance is trickey, which is why I too never get it. I go with another company which covers more for less.
Yaaaa for getting a good change!!! I am glad you were able to change things around. The cruise sounds fabulous!!
I am so glad it worked out for you!I hate when Disne yassumes everyone wants the insurance. I had many quotes with it in it, and would ask, and then they would say, well yes that includes insurance. If I wanted it, I would've asked for it. So now I book it online so I can uncheck that stupid little box. LOL!
Great change... The cruise is amazing and your son will LOVE it!!!