Check to make sure
trip insurance wasn't automatically included in the reservation you booked, before you do any calling. If you can't find it on your confirmation you will have to call; you'll probably have to call anyway to remove it if you don't want it. I don't book packages, but I have heard that happens with packages.
And it is not $16 per day for a child to be listed as 10 years old on
free dining. The $16 per day (actually charged per night) is for upgrading from the quick service plan to the regular plan (it's actually $16.55 per night). The only difference should be that you are now purchasing an adult park ticket instead of a child's.