Thank you for all the info. If I read this correctly, we just have to be healthy with no new issues for 60 days prior to adding the Princess trip insurance - and we can add it any time before our final payment is due. It also seems as if CAFR is more important than the pre-existing condition waiver? So if we buy insurance from a third party with a CAFR option, within the 14 -21 day window, it doesn't matter if we get sick just before the cruise - we just say "I don't want to go" and not invoke any medical reason? Obviously this only applies to the cancellation portion of the insurance, not the coverage for medical expenses. Since we are traveling primarily in Alaska, our Medicare + supplement will cover our medical expenses on land? This is making my head spin!