Apologies if this is discussed elsewhere, I looked through the Newbie FAQ and didn't find what I was looking for....

I booked a multi-city flight back in September for my honeymoon in April:

1. Orlando to Tokyo-Narita
(Stay in Tokyo 3 days)
2. Tokyo to Hong Kong
3. Hong Kong to Bali
(Stay in Bali 12 days)
4. Bali to Dallas
5. Dallas to Orlando

All together, it was maybe $3000.

Since then my fiance asked that we stay in Japan a couple more days. Sure, I say. I look up flights from Tokyo to Bali and find one on a different airline thats fairly cheap and short, extending our stay in Tokyo to five days. When I call AA to cancel flights 2 and 3, here's what they say:

Option 1: cancel 2&3, pay $250 change fee, and pay reticketing fee for 4 and 5. The tickets for 4 and 5 are now $3000. And thats per person, so like $6500.

Option 2: don't show up for 2&3, have the rest of the itinerary cancelled.

Option 3: change 2&3 for a different flight, which was $5000 per person reticketing plus the change fees.

.... Is this accurate? Is there any way around this? I bought trip insurance with Allianz- can they help?