I am going to pay off our cruise in the next couple days. When I booked I told DCL to add the insurance but now I am thinking I would like to consider another carrier. My questions are: Is this just a matter of telling DCL to drop the insurance from my price and pay the new balance? I did not buy travel insurance when we first booked b/c I knew there would be a possibility our plans might have to change and I didn't want to lose the insurance premium if we did change plans..I can still buy travel insurance through another carrier even if I booked this back in December, can't I? I know I won't get the pre-existing coverage, but other than that are there any problems doing this? Should I buy the insurance before or after I pay off the cruise? Anyone use Travlex Deluxe? I see Travelex has an A+ rating on insure my trip so I am leaning towards them.