Originally Posted by green_rd
Not necessarily true that this woman booked online. This was a 70 year old school transportation worker. She probably didn't think she could swing the extra cost. When we booked our first cruise, with a local TA, we did not get insurance. Later I started to think about it and tried to get insurance. My TA told it was too late, the CL would assume I was buying to cancel. I didn't know any different so went with what he said.
This will depend on the travel insurance, but most of the major ones will allow you to purchase the insurance up until a few days before the cruise. However, if you book by final payment due date, then you'll also be covered for pre-existing conditions. And normally, you cannot purchase Cancel for Any Reason insurance after final payment due date. But usually, you can still purchase the regular insurance and still be covered for any non-named events. For example, if you purchase the insurance after a tropical storm/hurricane has been named, then you won't be covered for any problems caused by that storm. So I would question the agent as to why it was too late to purchase the insurance, because that's not the norm.