The only time you are allowed to purchase Cancel for Any Reason Travel Protection is at the time the final payment is paid.  Keep in mind that after the final payment is made it is non-refundable unless you have purchased travel protection. Travel protection only covers the resort stay unless you flight is also booked via Change Your Latitude Travel. Airlines also offer cancellation waivers if you book directly through an airline. 

Travel Protection allows you to cancel for any reason up to the day before departure and receive your money back minus the cost of travel protection.

For detailed information please see: http://www.travimp.com/quest/tiw/bin/cfartpp.pdf  

If travel protection is chosen it must be purchased by everyone in room.

If the total for the room is $999 or less the travel protection is $59 per preson.

If the total for the room is $1,000-$1,499.99 the travel protection is $94 per person.

If the total for the room is $1,500-$3,999.99 the travel protection is $129 per person.

Travel protection is due with final payment. Cannont be added after final payment is paid.