Yes, the COVID-19/pandemic policy does provide coverage for emergency medical expenses related to the pandemic while insured individuals are traveling via cruise ships, regardless of vaccination status. Coverage applies just as it would if traveling by plane or other means of transportation!
For more detailed information on the Pandemic Policy and how it works, check out this article!
Related articles:
Summary of Goose's travel insurance policies for US residents
What coverage is available to me for travel within the US?
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