I got some once for a cruise but never for WDW. It is really up to each person. I really don't think they pay you enough to make up the loss of points. They may come through with airline ticket money but I am not sure. I do know someone who used theirs when they couldn't take a cruise and it paid for them. You might want to check into different companies. Be careful with previous sickness. I do know that there is a clause that says if anyone has been sick in the last few months it will not cover them or you if they get sick with the same thing. I asked about that.