I am confused by trip insurance. As I was looking at the different sites that offer it, do I have to purchase it within 14 days of putting down my initial deposit? If I decide to wait to buy it, then any pre-existing conditions we may have cannot be used as a claim to cancel the trip? (Unless you purchase a more expensive policy that has that waiver allowing purchase after 14 days?) Are there any other reasons for buying insurance as early as you book your cruise?