What does trip insurance actually cover?

There is a light gray text box for searches on Disney's site.. enter "vacation insurance" - there are a bunch of results. I haven't looked through carefully.
 


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Receive up to $1,000 in Onboard Credit and a Gift Basket!
That’s right — when you book your Disney Cruise with Dreams Unlimited Travel, you’ll receive incredible shipboard credits to spend during your vacation!
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