We have a cruise in November 2018 and I bought insurance for the cruise. I opted to buy my own airfare and to pay to stay on in the port city on my own dime for 4 days after the cruise. Ok, whew! Here is my question! I am getting ready to buy my airfare (it is very affordable right now); however, I just recently had surgery and I am not able to travel now but will be fine by November. How long after buying the airline tickets can I purchase flight and trip insurance? I think if I purchased insurance now I would be considered a person with a preexisting condition, right?