I dont think you get the insurance back....however it is possible to transfer your reservation to aaa, then they can make whatever adjustments and hopefully that keeps you from forfeiting your insurance. You would need to contact an aaa agent and make sure that will work as well as that they are willing to do it for you. I'm not exactly sure how the transferring the reservation works but it involves you contacting disney and letting them know you want to give control of your reservation to aaa. Dont cancel what you already have until you are sure you are getting what you want, and hopefully this will work without you having to cancel it at all.