OK, so last time I went to DW I bought trip insurance. This time around I'm debating whether to do it. Here's my reasoning: If I have to cancel within the 45 day window, I have to pay $200. Buying trip insurance would probably be about the same ($225 on my last trip). So why don't I just risk having to cancel and paying the $200? Only other cost would be airline, and through Southwest I can just use the ticket funds toward a future trip. Is there any other reason to go with trip insurance?