Hi JD!
There is travel insurance and I would highly encourage getting it added, to cover any last minute emergencies. You can call the Disney Booking Agents at (407) 939-7675 to look to add. For details on the insurance plan itself, click here.
As for penalties, any vacation package cancelled 45 days or more carry 0 penalty. 45 days - 5 days is a $100 cancellation fee. Anything within 5 days is a $200 cancellation fee.
Hope that helps. Best Regards!
Visit Walt Disney World Resort to explore the magic.
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