Read the policies and the fine print and most important buy th policy within 10-15 days (depending on policy) of first placing a deposit to get the most coverage from pre-exsting conditions. I've purchased through insuremytrip but I actually found another site that was set upa bit better to compare policies. I think its quotetravelinsurance.com - or something like that. Google it and you should find it.
My most recent policy is TraveLite and says this (in pertinent part):
TRIP CANCELLATION
You are covered for the amount purchased for Published Penalties
and unused non-refundable prepaid expenses for Travel
Arrangements, whenever You are prevented from taking a Covered
Trip for any of the following reasons that occur after the Effective
Date of Your Protection Plan:
Any serious Injury or any unforeseen serious Sickness:
1) occurring to You, Your Business Partner, a Traveling Companion
which is so disabling as to cause a reasonable person to delay,
cancel, or interrupt their trip; 2) occurring to Your Family Member
that is considered life threatening or requiring hospitalization; or
3) occurring to Your Family Member requiring immediate care. The
cause of cancellation must be as the result of medically imposed
restrictions as certified by a Legally Qualified Physician at the time
of loss preventing Your continued participation in the Covered Trip;
Your death, the death of Your Family Member, Business Partner or
Your Traveling Companion;
TRIP INTERRUPTION
If You are prevented from completing a Covered Trip for any of the
reasons listed under Trip Cancellation that occur after the
departure date of the Protection Plan, You are covered up to the
amount shown on the Confirmation of Coverage for:
Any unused non-refundable prepaid expenses for Travel
Arrangements;
One way Economy Transportation to return to the original
departure point or rejoin Your Covered Trip less the value of the
original unused return travel ticket;
Accommodations and Transportation Expenses for up to$150/day
for ten (10) additional days when a Traveling Companion must
remain hospitalized or a covered Injury or Sickness not requiring
hospitalization prevents You from continuing travel and You must
extend Your Covered Trip with additional hotel nights due to
medically imposed restrictions as certified by a Legally Qualified
Physician.
You are covered up to the Maximum Benefit Amount for:
a) Additional Transportation Cost to join the Covered Trip or
amounts shown above (the largest applicable) will be paid for the
return home, including up to $200 per day for reasonable
accommodations and meals, if Your delay requires an unplanned
overnight stay; and/or
b) unused non-refundable portion of the prepaid expenses as long
as the expenses are supported by proof of purchase and are not
reimbursable by any other source.
And just FYI, "Family Member" means Your: legal spouse or common-law
spouse (where legal), legal guardian, legal ward, son or daughter
(adopted, foster, step or in-law), brother or sister (includes step or
in-law), parent (includes step or in-law), grandparent (includes
in-law), great-grandparent, grandchild, great-grandchild, aunt, uncle,
niece, nephew or Key Person, provided the Family Member resides
in the United States, Canada or Mexico.
For 2 adults in our 30's and 2 children (and we are flying) the cost of the insurance to cover $2000 of pre-paids at WDW was $69. Remember you only need the insurance to cover the pre-paid portion of you trip, what you will be out of pocket if you have to cancel (because that is all the insurance will reimburse you if you have to cancel). Its usually 150% for interruption.
