when is the last day to buy insurance

[Little Twin Stars]

I called Access America and they said I could purchase insurance for my cruise 24 hours prior to my departure.

However, when I checked with my TA and Disney, they insisted that insurance must be purchased and fully paid for 2 months prior to my departure.

Since according to some past DIScruisers, Disney also purchases insurance from AccessAmerica, I start wondering if it is really true that I can wait until 24 hours before I leave?

Can anyone help please?

 

[randytenn]

When I made my reservation through Disney Vacation Club, they said insurance was through Travelguard, and was available until 60 days prior to sailing.

I know there are policies that go until 24 hours prior, but they are often more expensive, and have smaller benefits. Compare what you get carefully.

 

[awatt]

While you may be able to buy insurance 24 hrs or 60 days before,coverage will be limited. i.e. no prexeisting medical conditions. And they have a very strict definition of preexisting conditions. Even if you are healthy now,you don't know what could come up one week or one month before your cruise.