World Nomads

World Nomads covers cruise travel and includes protection for adventure and sports activities across more than 250 different pursuits. While they're known for backpacker insurance, their cruise products layer in medical evacuation benefits and adventure coverage that suits more active cruise passengers. The company started in 2002 and has focused on younger, more adventurous travelers.

This works if you're taking an active cruise (adventure ports, kayaking, zip-lining) and want sports coverage included. World Nomads' broad activity list is their strength; if your cruise itinerary includes land-based adventures, you'll stay covered without buying supplemental adventure insurance. It's less tailored to traditional cruisers but stronger for those mixing ship time with shore excursions.