My daughter and I plan to go to San Francisco in July for the World Rugby Cup. My question is about insuring the trip and the timing, because we might buy tickets soon, but wait to get airline tickets and a hotel until a little closer. Will an insurance policy allow you to add to what needs to be insured, such as later bookings, whether it be hotel or maybe a tour we prepay for? Will insurance cover the airline tickets if they are paid for with credit card points, but the credit card company actually buys them for cash? (We redeem the points, they send money for the tickets).