Thank you all for you answers, although it went a bit off topic.
Yes, indeed. It was that part with the UK only that confused a bit just regarding the sum.
We are a young couple that travels a lot (especially to the states, counting state number 25 this voyage😁) and have travel insurance+ with our insurer, we now know that it also covers cruises/ship crossings. All necessary expenses are paid by them, which can be alot in the states, knowing from close by experience.
Best regards
Martin