We already know that sometimes dreams can turn into nightmares, and that wonderful cruise that you have been planning for months becomes quite a nuisance, so that this does not happen, or if it happens that at least you can feel compensated in some way is why I recommend that you take out travel insurance.
To start remember that not all cruises are required to compensate you in the event that the trip or any of the stopovers is canceled. Check this before closing your trip, and if you decide on insurance is the first point you should request that it have.
You can look at different companies and options, but I'm going to tell you about some characteristics and qualities that most insurances have, and that cover you both on board the boat and on land.
One of the important issues is the issue of health, and insurance covers 24-hour international assistance, visits to the doctor, or surgical interventions. For example, a good insurance covers you up to 30.000 euros of expandable medical expenses, including dental expenses.
In this sense also in case of illness, if the trip is in Europe, the medical plane and repatriation in case of death are included (generally). And this up to two companions.
Another issue that is important is luggage loss insurance. It is rare that you lose your luggage during boarding, but if you include the plane and the cruise in the price of the trip, and it is lost, then you may be entitled to compensation for the loss of it. Credit cards usually cover this expense simply by paying for the trip with them. Please review it before closing the transaction.
What you can contract is that the insurance covers the theft of valuables, or luggage on the boat. The truth is that they do not usually happen on board, but if you have the bad luck that it happens to you on a shore excursion, at least, as I said at the beginning, it repairs your displeasure, and helps you to face the situation from another place , much calmer.