We strongly recommend you purchase appropriate travel insurance for your cruise, which may cover cancellation or curtailment of your holiday as a result of circumstances beyond your control (including accident or illness and inability to travel for other reasons), personal accident, personal liability, medical expenses and repatriation in the event of medical need cover for costs and liability arising from any specific activity you intend to participate in. If a sickness or injury prevents you from participating in an organised activity, your insurance should provide a refund for these costs where you have paid for them as part of your holiday.