The Worldwide Trip Protector from Crum & Forster - Travel Insured International is a comprehensive trip cost protection plan. Coverages offered include Trip Cancellation and Interruption, Trip Delay, Missed Connection, Itinerary Change, Cancel for Any Reason, and Pre-Existing Conditions Waiver.
To learn more, see the Crum & Forster - Travel Insured International Worldwide Trip Protector product page.
You can always add flights or any other travel expenses to your policy up to the day before your scheduled departure date. However, if you purchased a policy to include the preexisting condition waiver, which is a time sensitive coverage, then you must follow the terms as listed in your CF Travel Insured policy.
"Waiver of the Pre-Existing Condition Exclusion...
The exclusion for Pre-Existing Condition will be waived provided:
a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and
b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
c) You are not disabled from travel at the time Your premium is paid.
So, if you did not call to add your flights to your policy within the 21 days of purchasing those flights, then the preexisting condition waiver would no longer apply.
Since the terms and conditions will vary from plan to plan, please feel free to call us for assistance when quoting and purchasing a policy.