Note. When you are looking at trip insurance policies, Pre-Existing Condition waivers exist. However, you must purchase the policy within 7-10 days of initial (first) trip deposit.

Also, I "add" to my policy $$ as I book components. ONLY covering non-refundable parts of my trip. Its quiet a learning experience, but if I need that pre-existing waiver, I make sure I purchase some amount of coverage (bare minimum, say 500.00) as soon as I make first payment of anything, and then add to it as I go along. Its complicated, but I've learned a lot over the years.