You might want to make sure it will cover your flights last year when I looked into the insurance (I read the blue insurance pamphlet they sent me) it said that flights were covered only if you booked it through Disney but not if you booked it yourself.
JMHO
We arrive on Set 20, so I was afraid I wouldn't be able to, but i did!!!

If you plan on being at DTD that day, I'd suggest WPC unless you would be willing to travel to a resort for lunch. Or did you want dinner?
We do it our arrival day and it is always perfect! What are your dates? I think you arrive after we leave...
Everyone was crowded into the CS's and no tables. we ended up sitting on the floor with our food. (NOT GOOD). So I would have much rather had ressies and been able to sit and enjoy a meal while it poured. hopefully won't rain this year but because we have early Sept dates I think I will wait until last minute and buy tickets (2 different night s available this year 
