unfortunately, my family has to have park hoppers b/c the only park we can manage to spend an entire day in is Magic Kingdom, lol. you're right about trip insurance-i remember the CM mentioning it was added. my DH loves to eat at the restaurants, so i'd like to keep regular dining if i can, but i'll mention the CS plan to him, it might actually be more convenient. i'm selling this vacation pretty hard, LOL.