We are booked for an NCL Star Hawaiian cruise in Jan. We are offered cruise ins. with a co. called "CSA" ("Customized Services Administrators") through a program called "Travel Protection Plan". I just spoke with their rep & it does not cover cruise line bankruptcy, etc. But it does cover pre-existing medical conditions if purchased when FINAL payment is made. I want to switch to a better deal (that does cover cruise line trouble) but the ones referred to in the article only cover pre-existing conditions if purchased with INITIAL payment, which is too late for us. Can anyone help me, or know anything about "CSA" & whether it's worth purchasing (for $100/pp). thanks!