If you live in California or New York, you’ll need to start with purchasing a Fabric Instant policy, which covers you for accidental death (your single greatest risk when you're 25 to 44 years old, according to the CDC¹). From there, you can apply to upgrade to Fabric Premium, which covers you against death caused by illnesses as well as accidents.
Note that the only state where we don’t offer insurance coverage is Montana; at the moment, coverage is only available in the United States.
Purchasing Fabric Instant takes about two minutes from start-to-covered, and you'll have that coverage in place while you apply for Fabric Premium. If you decide to upgrade your coverage by purchasing Fabric Premium, your Fabric Instant policy will be automatically canceled.
¹CDC: National Vital Statistics Report, Volume 64, Number 2. (February 16, 2016), Table 9.