At my age I don't buy green bananas so travel insurance is a given. Waiver of pre-existing conditions is a must. Primary vs Secondary coverage is to be preferred. How best to shop? I use www.insuremytrip.com for quotes and usually go with Travelex Select as it is both low cost and has primary coverage on property losses and medical. To get a waiver of pre-existing conditions though, I have to buy it within 21 days of making my initial deposit. If I later cancel the trip and get my costs refunded, the premium is lost. I booked a cruise for next year and have until April 2012 to change my mind and get my deposit back. My travel agent said that she had a special deal with Access America where until final deposit date (April 2012) I did not have to buy the insurance and that when I did, pre-existing conditions would be waived. I checked elsewhere and found Access America has a 14 day buy requirement, but my agent (a major cruise agency) confirmed in writing that I did not have to buy for over a year. Now I do not love the Access America policy but the flexibility of waiting outweighs for me the secondary coverage issue. Does anyone know of other sources where you can get a waiver of pre-existing conditions on a policy bought more than 21 days after the initial deposit but before the final payment? If so, please share the name of the insurer and agent.