MazFan

Windjammer cruises range from camping to glamping in terms of amenities, a Windstar cruise looks to be like a small cruise ship with automated sails.  You might also want to checkout Clipper Cruises which have a third ship type.

Many windjammer cruises are quite rustic.  I took one years ago through the Maine Windjammer Association, and it was a century old wooden ship with small bunks,  a shared marine head, and 5 gallons of hot water in the morning to be shared by the whole boat for washing.  The experience was similar to camping.  Sailing the ship was the activity, food was good, ship was fun, but not for everyone for sure.  Other windjammers have more amenities, but if it is imported to you ask, don't take anything for granted.  Windjammer cruises are an amazing experience.

I have also booked a crossing on Atlantic Container line from Halifax to Liverpool using "The Cruise People"  from London as my cruise broker.   

I got my insurance through Travelex.  I am a US citizen, but the Travelex website indicates that they provide insurance to residents of just about any country.  I haven't sailed yet, but my insurance was accepted by the cruise broker.  

I am responding to this old link because I found it when I was searching the same question.  I also had some trouble finding compliant insurance.  Other travel insurance companies were not able to quote insurance that fully complied with ACL's requirements, or they got really confused by the need for flexible dates(Freighter sailing dates are not guaranteed).  I do business with AAA, AARP, and State Farm.  None of these entities were able to quote this insurance to me for one reason or another.  The backpackers insurance that could be found on the web will not work for anyone over 65.  Travelex did not seem at all phased by any of the complications.