Disney travel insurance?

I'm about to book our week long trip for Aug. or Sept. WDW Travel
offers their trip insurance for $120 for the two of us. Is this worth
it? It seems to have a lot of exclusions so I wonder if its really
worth it. I can book now with a $200 deposit and not have to pay the
rest till 45 days before our trip. So the main issue is if something
happens in that last 45 days.

Julie wrote:

> Check with your insurance agent to see if you have any sort of umbrella
> for liability and your health policy to see how to access care if on an
> hmo. Other than comparing Disney in these areas I say it's worth it only
> if you wouldn't have the money to replace your belongings and it covers
> a large amount for them.
>
> I read the description of coverage once and there are different levels,
> so I guess what insurance you buy is sort of an individual thing. How
> much does the trip cost ($ you're risking if you cancel)? Is it so much
> it would take years to save enough to plan the trip again? What are the
> chances you'll have to cancel with penalty?...

The issue for me isn't healthcare etc. I have my own. Booking my trip
will cost about $2000. Say the airline or weather causes severe delays.
I'd be out at least the money for the days lost (park tix & hotel).
Disney's trip insurance doesn't pay if I simply decide to cancel. Only
for medical or other similar reasons.