Paying for a cruise with gift cards, does travel insurance companies care?

Has anyone ever made a successful claim on thier travel insurance policy where a good portion of thier trip was paid with gift cards? I was thinking about declining the insurance that Disney Cruise Line offers and going with an online provider that would cost less.

But I was wondering if me paying for a good portion of the trip with Disney gift cards could be a problem if I needed to make a claim. And also, when I book the cruise I will pay for it in full as that will be required with a last minute restricted fare. Does that make any difference or not?