I am confused about the difference between the current standard cancellation policy and the cancel for any reason add on you can purchase for ~$50/person.
So with 4 people the the cancel for any reason policy costs about $200 - and I think the standard policy says I can still get a full refund if I cancel more than 45 days out, and if I cancel within 0-45 days they charge me $200? Seems better to not buy this policy - am I missing something? Unless “plus fees imposed by hotel” adds something to this? Anyone know?
I should add we are doing a combo Disney/Universal trip - renting DVC points for Disney portion so planning to buy a 3rd party travel insurance policy for the whole combo trip.