Does cruise insurance cover outbreaks?

With thousands of people in close quarters for long periods, it's not uncommon for respiratory or gastrointestinal disease outbreaks to tear through cruise ships. In 2025, there were a record 23 gastrointestinal outbreaks on cruise ships stopping at U.S. ports, according to the U.S. Centers for Disease Control and Prevention , including a norovirus outbreak that infected over 240 passengers and crew members aboard Cunard Line's Queen Mary 2 on a monthlong cruise from England to the Eastern …