It is not too late to buy travel insurance, but it is too late for it to cover any "pre-existing conditions". Go to www.insuremytrip.com where you can compare many different insurance carriers.
Mary Lou Scanlon
NCL Pride of America April 24, 2010
NCL Epic February 12, 2011
RCCL Allure of the Seas - September 18, 2011
Celebrity Eclipse - February 11, 2012:
RCCL Navigator OTS - February 9, 2013
To have less "hassles" I suggest purchasing a policy that is the primary carrier. This way you do not have to submit all claims to your insurance carrier and then wait for them to pay or, most likely, not pay and then turn all the paperwork over to the travel insurance company for reimbursement.
It saves time and is far less hassle.
The site Mary Lou gave you will list (by highlighting) if the policy is primary or secondary coverage.
__________________ Cruisemates Community Leader/Moderator
"There is a great difference between being well traveled and just having been to many places." ~Me