It would depend on why you want trip insurance. Fear of bad weather? Fear of a sudden illness? Both are covered with trip insurance. We opted to not take out trip insurance on our June trip since a military deployment is not covered under Disney's trip insurance.
We are travelling in December 2006 and have opted to take Disney's insurance. If I were you, I would take it based on the possible weather issues at the time you're visiting -- to me, it's an inexpensive way to gain peace-of-mind.
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