Trip insurance

You should read the details of any insurance you're thinking about buying. If you made a deposit months ago, you won't get that back if you now buy trip insurance and something happens. Usually, but you have to read the details of any insurance you're thinking of purchasing, we can't definitively tell you.

As Kent stated, read the details of any insurance you're thinking about buying. The 15 day clause usually is in reference to pre-existing conditions. That is, if you get the insurance within 15 days of your initial deposit you are covered if you have to cancel for any pre-existing conditions. That obviously is not the case in this situation. However, you should still be able to purchase regular trip insurance.

Have you checked out insuremytrip? I got lots of good information at their web site before I selected a company to buy my insurance from. I read in the insurance "fine print" that if I selected a policy within a few days of making my first financial payment associated with my trip that any pre-existing conditions would be covered. I made a deposit on a RS tour late last year and immediately signed up for the travel insurance policy. I have done the same the last four years as I do have some conditions that I wanted covered.