Steve, we're in the same situation as Gail and Marty, just with a different insurance co. (Diver's Alert Network underwritten by Travel Guard). We insured our initial $2000 on the world cruise in June of 2019 in time to get the pre-existing waiver. At that time we don't think we had any pre-existing (can be interpreted differently by different companies). That said, we are interested in keeping the same insurance so we have the pre-existing. DAN is not writing insurance now, but said it might be possible to add the the existing policy. We are using the FCC from the 2020 World Cruise to pay for