Trip Cancellation insurance can be used whether you're on an organized tour or cruise or traveling independently (in which case, only the prepaid expenses such as your flight and any nonrefundable hotel reservations are covered). Note the difference: Trip cancellation is when you don't go on your trip at all. Trip interruption is when you begin a trip but have to cut it short - in this case, you'll be reimbursed only for the non-refundable portion of the trip that you didn't complete provided the interruption is due to a covered reason.
It's smart to buy your insurance within a week of the date you make the first payment on your trip, however, you can purchase the cancellation plan up until the day before you leave. For plans that offer Cancel For Any Reason(CFAR) - you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY or WA.