First, I have DCL insurance. We arrived here 2 days ago. On the 2nd leg of our flight my daughter started vomiting. We thought it was air sickness. She hasn't stopped vomiting for 2 days. We had disney send a medical person to our room last night. They said its a virus. She was looking Perkier and stopped vomiting yesterday around 11am. Slept all day. Now it's 1-2am and its started again. No brainier our dream vacation of a lifetime is hooped. Cruise is not happening. But now I'm freaking out. I just read DCL insurance and I am not sure we are covered. Apparently until 12:01 today (the trip. Departure date) if she was sick and seen by a medical professional it's now a pre-existing condition. Also imagine my shock to find out this insurance only covers costs for the cruise only. Not our flights,etc like a normal insurance company. I'm quite livid. I have saved 2 years for this $5000 vacation and only the $3200 cruise portion is covered, but with the legal fine print is it? I'm exhausted, crying, can't think straight. I'm stuck with a sick kid at a Disney resort in the middle of the night by myself. What should I do? Am I going o lose all our hard earned money on this technicality? Any help from people who have been in this situation?