Hello, we are US citizens traveling on P&O next month with UK family. We had the same question. I called P&O and they told me we needed the same insurance as everyone else. Unfortunately they don’t sell cruise insurance in the US, and don’t provide the limit structure required by PO, and non in residents can’t buy the policy in the UK. After much research, I got a letter from our primary medical insurer stating we had unlimited worldwide coverage and took out a travel policy with $1m in emergency evacuation expense with crum and foster from InsureMyTrip.com. It was tough just finding the $1m in expense coverage, the 2m pound coverage was not available. Hopefully they won’t even check, but I think what I have is sufficient.
Joe