If you have a package through Disney, anyone cancelling when you do for any reason (trip insurance or not) would get everything back except $200 (on original form of payment). If you call and rebook to different dates, you may lose any discounts, but you may only be charged a $50 change penalty (and that can be waived if your new package is more expensive)
If travel insurance reimburses you that $200 or any airfare or other expenses, that is up to the travel insurance policy. A work reason isn't usually covered unless you bought "cancel for any reason" type coverage.
ETA: If you call and take your DH off the package, you may get refunded his tickets, dining, etc. minus the change fee.