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I know you can have an AWESOME time on the beach (even at an all-inclusive) for less than 5k including flights.
I'm sure you can spend less than $5k on a trip. I think you two should be okay as for getting sick as long as you only drink bottled water, no drinks with ice, etc.
Isn't this like any big vacation? It feels a little scary booking big, nonrefundable things, and yes, something might come up, but that's life. If you do feel like it's a lot of money, you could choose simpler hotels. I would personally go all out if someone was giving me money though. It's the one chance you get to have a honeymoon!
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PS You could also look into getting travel insurance - it's not super cheap, but also not ridiculously expensive, and it will save you from losing your money if anything happens.
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I think you should go for it! especially if FIL's want you guys to go on a honeymoon, and are helping out so much for it... just go for it! We are spending 8k on our 2 week honeymoon to French Polynesia, and my mom constantly tells me that she thinks we are being crazy and should save the money for our new house... (which is already being built and figured out!) but after all the stress and planning, we want to go on a great trip, not just an average trip since we have both travelled so much! Go for it... memories last longer than money no matter what!!! When you run out of money you have memories... when you run out of memories you have what?!?!?
i concur with what MissAsB said regarding bottled water and drinks with no ice. Another word of warning: beware ice cream too! I was in Shanghai last year and I ate gelato without thinking that it has ice chunks in it, and I got sick. NOT FUN!
Also, see if your doctor can prescribe you something pre-emptively to take with you in the event of traveler's diarrhea. I know that my Cipro was a LIFESAVER while I was in China. It knocked the bad germs out of me within about a day or two.
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So we're just about to book our honeymoon...7 nights in Belize (4 in the Cayo and 3 on San Pedro), at GREAT hotels, and it'll be $5K. Fiance's parents are giving us 10K for basically whatever we want, except I know they want us to go on a honeymoon so that's kind of how I've been justifying spending half of it on this. But then last night my mom started asking if I really wanted to spend so much money when it'll just be gone when we get back. I'm totally fine with it if we have an awesome time.....but what if one of us gets sick or something????
Haha I don't have this fear about the wedding because I'm basically convinced it isn't going to be a fun day for us no matter what (of course I want to marry him, but attention has never been my thing, and we're having a BIG wedding). But for the honeymoon, I want everything to be great!!