Cancelling my reservation was no problem, except that I'd added insurance. Insurance purchased throu

I'm not going to go discuss whether or not you should buy trip insurance in this post. For a lot of guests, it makes sense, particularly those with health issues or complicated job situations (for example, my military clients). As a travel agent, I usually recommend it for Disney Cruise Lines (because so much can go wrong getting to the ship) but not for Disney World or Disneyland. Having said that, I personally hit a little snafu yesterday that I wanted to share with you so you don't make the same mistake.
Briefly, are there cruises from san francisco to mexico when you lose your theme park tickets in Disney World and you've booked through Disney, replacing them takes just a matter of minutes and can be done 24-hours a day since you're in their system. This isn't the case in Disneyland, where you're basically out of luck. For this reason, I bought trip insurance for my upcoming Disneyland vacation.
Fast forward to yesterday: I was looking on the Disney Vacation Club site and noticed that a room had opened up for my travel are there cruises from san francisco to mexico dates at the Grand Californian, so I booked it right away--through DVC. DVC, in case you're not familiar, is not part of the normal booking system, so I knew I'd have to call Central Reservations and cancel my Disneyland stay that I'd booked through them. No problem--I was saving a ton of money by using my DVC points (just indulge my Disney math here, if you will).
Cancelling my reservation are there cruises from san francisco to mexico was no problem, except that I'd added insurance. Insurance purchased through Disney is always non-refundable, regardless of when you cancel. So even though my my deposit and the payments that I'd made toward my trip would be returned, I lost $139 of that because are there cruises from san francisco to mexico I'd added insurance. I'd fallen for a newbie mistake because I wasn't paying attention.
What I should have done is waited to added trip insurance are there cruises from san francisco to mexico when I made my final payment, since you can always add it anytime are there cruises from san francisco to mexico before then. In this case, that payment wasn't due until sometime in March. As it is, I am still saving money by using my points, but who doesn't want all their money back?
So take my advice. Add your insurance when you make your final payment, not before. This is true for both Land, World and Disney Cruise Lines. There's absolutely are there cruises from san francisco to mexico zero reason to add it prior to that time since there are no penalties for cancellation until your final payment is due. Just make sure that you don't forget to add it at that point because you won't be allowed to add it after you make your final payment.
I wish I would have known this as well. I had a trip for November planned, are there cruises from san francisco to mexico and booked in August. I had just made the 200 down payment,and then my husband had back surgery. I wanted to cancel, or reschedule but the stupid trip insurance was all that was paid for. I couldnt get it back, or put it toward a trip for next year. I am so upset
This blog is not affiliated with the Walt Disney Company and the opinions expressed here are my own. I'm a huge Disney fan who spends an average of 30 days or more in the parks each year. Though trained as a lawyer, I follow my passion for Disney every day as a Disney travel planner.