Hmmm...not sure about this one. I think there are certain things that are not covered if you don't do it at the time of booking, but if I were you, I'd go read the terms of the insurance now before you need to book so you know for sure. Either that or go ahead and include the insurance with anything you book. You can always cancel the insurance later if you don't want it.
Hopefully you picked up what you need from all the posts, but if not....NO you don't just go in and click "add dining." That won't get you the promo. You should have a "change reservation" link somewhere on your reservation page. When you follow that link and FD is out there, it should show you the different offers. You click on the "
free dining" offer and follow the prompts. It will ask you if you want to upgrade to another dining plan at some point through the steps.[/QUOT