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If you buy the insurance within 15 days of booking, you're covered for Pre-existing problems, but if you buy later - you should be covered for new problems. For more specifics, why not phone the carrier? 800-523-8020 but let me know if I can help.
For a domestic trip where I'd suffer less for a cancellation, it would not be as important - depending on the airline, trips terms, etc. For an international trip with heavy cancellation penalties, plus major problems for health issues there, and even reduced luggage liabilities with the airlines - more important.
For a domestic trip where I'd suffer less for a cancellation, it would not be as important - depending on the airline, trips terms, etc. For an international trip with heavy cancellation penalties, plus major problems for health issues there, and even reduced luggage liabilities with the airlines - more important.