Does anyone know of a source for trip insurance that will cover your DVC points used for a Disney cruise once you are inside the 75 day limit? The Disney recommended company (Travel Guard) will not insure the points once inside 75 days even at a higher rate. I have not yet found any other third party that will cover points either. Does anyone know of a company other than Travel Guard that will cover points and if so, will they cover them inside the 75 day cancellation penalty deadline?