We are also on the Mariner Tokyo to Hong cruise on September 20. We have used Access America for all of our past cruises. We purchase it within 14 days of deposit to have the waiver of pre-existing conditions. If we need to cancel and it is more than 60 days from the original departure date, we can transfer the existing insurance to a new cruise whose departure date is up to 550 days later than the original departure date. If it is less than 60 days to the original departure date, we can transfer the insurance to another cruise but it must have a departure date no more than 30 days after the departure date of the original cruise. Any differences in insurance premiums are either debited or credited to our credit card. You can only transfer the policy if you haven't or do not plan to make any claim against the policy for the original cruise. Also, be aware that Radisson's change and/or cancellation penalties start at 120 days, not 60 days, before departure. So it is best to cancel outside 120 days to avoid any kind of penalty and be assured of the ability to transfer insurance.