You can choose any other insurance if the same risks are covered:
https://www.msccruises.co.uk/manage-booking/before-you-go/covid-travel-insurance
COVID-19 TRAVEL INSURANCE
It is mandatory for all guests to have in place an insurance policy that specifically covers them against COVID-19 related risks, such as cancellation, interruption, repatriation expenses, quarantine, medical assistance and related expenses, as well as hospitalization. This should be in place to cover you from the confirmation of your booking until the end of the cruise or your cruise and flight package. Should you need COVID-19 insurance cover, our travel insurance partner may be able to help you. You can see the policy benefits available here to see if they are of interest and benefit for you.
Alternatively, you may purchase another insurance coverage of your choice provided that the above risks are covered. With immediate effect, for all new reservations on Winter 21/22 and Summer 2022 cruises. Guests will be required to provide evidence of their insurance policy and this should include the details of the insurer, the insured amounts and full details of the COVID-19 coverage such as cancellation, interruption, repatriation expenses, quarantine, medical assistance and expenses, and hospitalization.
The proof of the insurance policy (e.g. certificate, schedule, policy summary) which must be in English, Italian, German, French or Spanish - clearly showing the COVID-19 coverage must be presented at embarkation. Passengers failing to provide this documentation will be denied boarding.