The Rep we booked with was excellent, but not sure if she mis-stated something, or I mis-heard it. Either is possible and, after a 4 hour wait in the cone of silence, my brain was probably oxygen-deprived. What I heard was that insurance could be added up until 30-Days prior to travel. What I did not hear/understand was that since we paid in full at time of booking, we would have had to add the insurance at that same time. Now I'm told that I missed my WOO (Window Of Opportunity) on the insurance policy. Trust me, I have no intention of cancelling, but noone can predict the future, and that's why there's insurance. I usually always insure my other trips, and this is a very expensive gamble, without insurance. I can't even plead my case to a CM, because the Galactic Starcruiser line is still experiencing extremely heavy delays, and I'm not up for another 4-hour silent wait at this point. I did submit a request for reconsideration via the email contact option, and I will report back on their response...................