Most 3rd party insurance protection plans (the only ones I recommend), such TravelGuard or TravelInsured can be purchased right up to the cruise date. The difference is in the "pre-existing condition waiver". If there is any pre-existing condition of a family member which may be the cause of your cancellation, then you want to make sure you purchase the policy within 7-14 days of initial deposit (depending on the specific company).
Nancy
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