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Early Insurance of Next Cruise Deposit


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We have booked a cruise onboard for February 2020. I always arrange my own insurance (usually through my credit card). However, when I went to activate it, I discovered that it can only be activated a maximum of 12 months in advance. I tried a couple of commercial insurers and found the same. That means our $800 deposit won't be covered for the next nine months. Has anyone found a solution to this problem? It's certainly a good reason not to book cruises more than 12 months out.

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Don’t know what the problem is.

I purchased insurance on Tripinsurancestore for a cruise in July 2019. Bought the insurance a couple of months ago.

Sounds like things are different in the USA from Australia.
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We live in the US. We just booked a March 2020 cruise. It will be our 50th anniversary. We are bringing DD, DSIL and 3 GCs. Two of our GCs have Cystic Fibrosis, a genetic disease. Because of the pre existing condition clause, we purchased insurance within 14 days of booking with Travelguard.

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