novicetraveller

Sorry for not replying sooner. My comment was purely based on taking out private Travel Insurance in general terms rather than insurance provided by private excursions operators.

As long as your travel insurance covers issues whilst on a Cruise Ship and is able to cover getting you back home for illnesses / medical incidents whilst on a Cruise Ship or accidental or deliberate abandonment by the Cruise Ship, issues whilst on land, you should be ok. Missed ports is generally covered by the Cruise Line, but doesn't cover private excursions if the port has been missed.