Hello! Booked a Greece/Italy cruise for August 2024 for 5 people (husband, myself, 2 kids, and my mother) with RCL. Haven't purchased flights yet. We're looking to purchase travel insurance for two reasons. 1 - recoup some cost in case we have to cancel (i.e. sickness, but we're all relatively healthy, no pre-existing conditions), as it's not a cheap vacation. 2 - in case of medical/evacuation needs during cruise.
My question is, when should we purchase the insurance? I'm shopping plans now but it ask how much the trip costs, which I don't know yet since I haven't made all the purchases (flights, hotel, excursions, etc). Should I purchase it now or after final payment? Final payment is April 2024. and RCL refunds certain amounts depending how many days is cruise. But also want to make sure flights will be covered as well if we have to cancel last minute.
Thank you!