A cruise creates a specific medical scenario most land-trip policies aren't built for: you can be a day away from the nearest port when something happens, and the ship's medical center — while real — is not equipped for anything beyond stabilization.
What to confirm specifically
Emergency evacuation by helicopter or boat — this is a distinct, expensive scenario from standard ground evacuation and not all policies price it the same way. Confirm it's explicitly included, not assumed under general "evacuation."
Coverage for the ship's onboard medical facility — often billed separately and at rates higher than shoreside care; confirm your policy treats it as a covered medical provider.
Missed embarkation coverage — if a delayed flight causes you to miss the ship's departure, this is a different claim type than standard trip cancellation and needs to be named specifically.
Cabin confinement / quarantine — outbreak-related itinerary changes are handled differently by different insurers; ask directly rather than assuming.
Multi-country itineraries
A single cruise can touch five or six countries in a week. Confirm your policy's geographic coverage explicitly lists 'worldwide" or every relevant region — a plan limited to a specific area can leave gaps mid-itinerary.
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