I've ran into a bit of a problem. We always purchase insurance but usually don't buy until the final payment date. This means we aren't covered for pre-existing conditions. Am now dealing with a medical problem and wonder if any of you know which insurance companies do cover pre-existing when not purchased when the deposit is made. We usually have a window of 7-14 days but actually deposited this trip last January.
I'm afraid I don't have an easy answer for you either.. but since you are before final payment date still, you could likely cancel and rebook "to get around it".
Especially with pricing now, it's unlikely the cruise has gone up in price.