When getting a travel insurance quote, you must select whether or not there are still payments to make toward your trip. This information can impact what coverage benefits are available with some travel insurance plans. CSA Travel Protection and HTH Worldwide have plans that will cover pre-existing conditions if the policy is purchased with or before you final trip payment. Final trip payment refers to the date when the largest single expense of the trip is paid in full. If a cruise is more expensive than the airfare, then the date the cruise is paid in full serves as the final payment date. Always refer to the certificate of insurance for details.