Yes- no car insurance OR trip delay.
And small personal note: when I was at universal just 4-5 weeks ago southwest cancelled all their morning flights for maintenance reasons and I couldn’t get out until 10:30pm since all flights were booked. I stayed at the Floridian and lived it up (although I had a horrendous dinner at Narcosees). First steak I’ve ever sent back and then the lobster was inedible. Worst lobster ever. And it was a “free” meal too on Chase, and it was so bad I turned it down.
It basically boils down to this: would you pay $150 to get trip delay insurance for this trip? (Or any other trips that won’t be covered due to PCing)? If the answer is yes, keep it. If the answer is no, PC it.
I stayed at MCO Hyatt last time I went to universal. I wouldn’t do it again as I’d rather be closer to the parks earlier in the morning. There is a Hyatt place right across the street at 12k. Used to be 8k but jumped up this year. At that rate, might as well do Cabana Bay.
How many days are you staying?
I love Universal talk. They are *much* easier to book with points than WDW and I have all sorts of tips.
The first one being, buy the biggest ticket they offer on chase UR and upgrade to an annual pass and get at least two trips out of it.