With respect, you started this thread by asking about insurance. Several people have given up their time to write their answers to your question and explain why, in their view, and in some cases from their own experience, it is highly advisable to have travel insurance, even if, as you say, for American guests it is not compulsory. In post 14, you said it was sorted out but you haven’t given any indication of how it is sorted.
You have now accused terrierjohn, a well respected poster on this board, of asking a very personal question for a public board. I don’t interpret it in this way because he seemed to be seeking advice that could potentially be helpful for others who may be in this situation in the future.
I hope you have a wonderful cruise, whether or not you have bought a policy and hope nothing untoward happens that may necessitate insurance because if so, it will mean something has gone wrong to spoil your holiday.