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Trip Insurance When I Don't Know Total Cost of Trip Yet

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We are planning a trip to France next June and would like to have trip insurance. In the past, we have gotten trip insurance for a cruise where we knew the total cost as soon as we booked. However, in this case, we will be making reservations piecemeal and won't know the total cost of our trip until a few months before we leave.

We have our plane tickets already (Skymiles) and will be making hotel reservations in a few months and train reservations in a few more months. How do you get trip insurance when you don't know the total cost of the trip? We would like to be covered for pre-existing conditions, which I know you need to do within two weeks of booking. Thanks for any help you can provide.

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