I can speak from experience that the cruise travel insurance I booked through Princess for the week of July 20th was TERRIBLE. It was through AON and when we weren't able to make our cruise due to the Crowdstrike/Delta meltdown, they quickly denied my claim and told me it wasn't covered. They were virtually impossible to get a hold of, took a ridiculously long time to get back to any of my questions, and suggested I book another cruise to Alaska in December (the AON agent, not Princess Cruises).
However, for my plane tickets, I had an Allianz Travel policy and they were great to work with. They were easy to get a hold of and actually ended up giving me the maximum benefit for my missed cruise and all other expenses. And of the two travel insurance policies I had, they were by far the cheaper option.
Bottom line - read ALL the fine print in the policies and you are probably better off booking a separate insurance than going through the cruise line.
