Another consideration on this topic is the pre-existing waiver on travel insurance. We paid the $200 for Future Cruise benefit and received a confirmation number at that time. It never occurred to us that the date we paid this became the booking date even though we had no cruise itinerary, nor dates defined. Now that we turned the booking into a real itinerary, the insurance company won't allow the waiver since the policy wasn't purchased within 14 days of the "initial" payment. At this stage we wish we had never signed up for this and we never will again!