Here's my dilemma, I booked a cruise several months ago for a Med Oct. 05 sailing date. I did not take out the cruise insurance (I usually wait to do so a month before final payment is due) I opted for the free cruise air, knowing I would change that down the line when it became within an year of sailing and the flight schedules became available.
Well, I have found a good priced flight with good connections but its on US Air. Since I made the intitial payment months ago, the financial default clause for the air portion of the trip will not be in effect, since I didn't purchase the insurance within 2 weeks of the initial payment.

Can I take out insurance now on the flight portion and the cruise insurance later or does the whole trip have to be on one policy??