I understand the cruise cover is now £27 per each cruise, and you only need to add it to the policy when the next cruise is due. Still a very good deal since, if a couple, you would redeem your payment if you only had 1 claim a year for 10 cruises, which in a year is highly unlikely, whereas one missed port in say 3 cruises a year, is very likely in todays safety conscious times.
One rider, not sure if it is £27pp, or as now it covers both parties, as my informant is a single lady.