Travel insurance providers often release position statements to identify how coverage applies to current events. The following is a position statement from the travel insurance provider Allianz Travel Insurance:
As far as we can tell, because the cruise line is covering everything, there are no losses to cover in this case, but coverages that may apply include:
Customers may be eligible to receive reimbursement for additional out of pocket meal or lodging expenses incurred as a result of a travel delay of six or more consecutive hours as well as lost prepaid expenses. (please note: this benefit has a per person, per day maximum as well as a policy maximum).
Baggage Loss/Damage covers loss, damage or theft of luggage and personal effects. This coverage is secondary to any reimbursements that customers may receive from the cruise line.
Baggage Delay covers the reasonable additional purchase of essential items if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.