D&C or natural?

Lindsay
I just had an ultrasound at 10 weeks and there was no heartbeat. Dr thinks it happened about 2 weeks ago based on the baby's size. 
I am about to go on a trip for 6 days. Should I try to let nature run its course or have a D&C? Are they covered by insurance? 
I feel like my heart is praying that by some miracle the Dr was wrong, but My head saying that I still have to face the facts.
😞