If you don’t believe I should pay for insurance, why is this a special deal? Why are you putting a deadline on how long my trip insurance is an unnecessary cost?
This is an example of a great idea that has been poorly implemented. If Expedia were to say “We don’t believe you should have to pay for insurance, so we won’t charge you if the trip falls apart” then that is a solid promise. Saying “We don’t think you should pay until December, but after that you’re on your own” is just disingenuous.