Rescheduling or Cancelling ??

[ferrytale]

So about a month and a half after getting back from our trip in September we found out we were expecting a "little souvenir"! One problem - we booked the bounce back, and the baby will only be a few weeks old when we were supposed to go, so we figured we would cancel. Talked about it, and thought about maybe rescheduling, but since we aren't 100% sure what lies ahead, we decided cancelling was best for now. We only put down the $200 deposit, and got trip insurance so I figured it wouldn't be an issue.
I called to cancel, and was told that I wouldn't get my deposit back - that trip insurance was included in the cost of the trip and non-refundable and because that was actually more than my deposit they would not give that money back to us (might I mention the woman was NOT overly helpful, and seemed to have a chip on her shoulder). I thought that trip insurance was to cover you in case something happened and you couldn't go - she said that I could try to put a claim in through the insurance, but didn't think that it would get approved. So I left my reservation as is, and I am now contemplating moving the trip from September to May 2011 rather than lose $200 - she said that it was transferrable.
Has anyone ever run into an issue like this? And if I do move to May, any idea when they release the dates of the Star Wars weekends or other special events? I would hate to book it and wind up having to move it a second time...argh...so frustrating for something I thought would be easy!

 

[laurafergie]

As far as I know, Disney Trip Insurance is not refundable (the cost of the insurance) once the deposit for said trip is received.

As far as what is covered - I would assume that a newborn baby is not covered. But get your documents out and read the fine print. I'm sure someone more knowledgeable than me will be along.

In your case, I would just reschedule. And if you have to reschedule again, so what. I once rescheduled a trip SIX times because we could not pay for it in full in cash. Vacation is so much better when it's paid already.

 

[RooRach0906]

Just wanted to say Congrats on your "little souvenir." We found out on our Sept trip.

 

[emh1129]

That's strange. If you hadn't booked insurance, you'd be able to get your $200 back. I've done it before. I think it's 45 days cancellation before you start being penalized.

I know (or at least I think) that you won't get the trip insurance money back, but you should at least get your $200 deposit.
We never book trip insurance, so I'm not an expert on it, but hopefully someone else will be able to come along with more info for you.