Hello! I'm a newbie to the board but have been browsing and everyone is so helpful with their responses =)

My tentative dates for stay at CN is June 1 - June 7. However I may need to change the dates within 1-3 days each way. I called Couples and they said there is no charge or increase as long as I keep the dates within the same date bracket of the original promotion I book. Should I then still purchase the trip insurance offered through Couples or no? What would you do?

Also, the cancel for any reason waiver states: With this Island Romance Holidays Cancellation Waiver, your hotel/land cancellation penalty will be refunded in Island Romance Holidays travel certificates, with the balance of the refund paid by check or credit card credit

Sorry if this is a dumb question but does this mean I don't get refunded back to my credit card but instead get "Island Romance Holidays travel certificates"?

Thank you in advance for your help, it's greatly appreciated!!