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Another important thing to note, at least concerning cruisers here in the USA, most plans require that you purchase insurance within 14 days of deposit to be covered for pre-existing illnesses. Others cover for pre-ex if you purchase coverage by final payment date. Be sure to check with the insurance company or your travel agent to get the specifics before you buy. Many of the cruise line policies are one-size-fits-all, but a travel agent may have a variety of policies with varying levels of coverage, so again, be sure you know what you're buying.