Thank you so much for all your quick replies

I spoke to Disney earlier and they're currently holding my reservation for 24 hours. One thing I didn't understand was the Travel Protection Plan. Is that
trip insurance? I booked 90% of our travel and honestly never bought insurance. I'm not worried about flight delays or lost luggage. We have very good health insurance, so I hope they will cover any misfortune.
I'm not sure what the Travel Protection Plan is for, but it sounds like I have to buy it at the time of the deposit (which will happen sometimes today or tomorrow).
Thanks.