Nationwide
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Nationwide offers three dedicated cruise plans labeled Universal, Choice, and Luxury, each scaling up in coverage and premium. They're one of the few insurers that include preexisting medical condition coverage on multiple plan tiers, which matters if you or your travel companions take regular medications. Medical evacuation is built in across all three plans.
This works best for older cruisers or anyone with health conditions that might complicate a trip. Nationwide's long track record (operating since 1926) and dedicated cruise tiers suggest they understand ship-specific needs. Their preexisting-condition option sets them apart from competitors who exclude or charge heavily for it.