So sorry to hear about your trip delay!
I must say, however, that I am shocked to hear about how easy Disney
trip insurance was on you! My mom had a package with trip insurance booked for early last September and my brother (her only son) died suddenly of a heart attack just before her vacation. WDW
travel insurance would not refund her prepaid trip until she had produced his death certificate. (THAT was a hassle to come up with as my mom had to get it from my SIL...I digress...) They would not let her out of it even with a copy of his obituary with her name from a major newspaper.
Anyway, glad for you that it was not a big deal... My mom could have used a break like that when she was already dealing with so much...