No.
You need specific Travel Insurance for that. Follow the link below for holiday insurance for a cruise holiday.
No you do not need insurance to go on a cruise just like how you don't need insurance to go on a flight. Travel insurance can be bought at many travel agencies and it should cover lost luggage as well as physical harm during the cruise.
The Post Office offers a wide range of holiday insurance that cater for your individual vacation. Your options include: single trip travel insurance, annual multi-trip travel insurance, long trip travel insurance and explorer travel insurance.
Holiday and travel insurance can be found through travel agencies, personal insurance brokerages, on the internet or through the yellow pages telephone directory. Also available are holiday insurance quotes from roadside assistance programs.
Because this cruise vacation is being purchased as a surprise, travel insurance is advisable. There is a chance your parents may already have plans and cannot go on the cruise, in which case you'd have to pay fines and cancellation fees without the insurance.
Some travelers like to be insured when they are on a cruise, or other travel. Here is a site that offers travel insurance options for these people: http://www.travelguard.com/travelinsurance/cruise.asp
Direct holiday insurance, also known as travel insurance, can be obtained from many providers in the UK. These include Avanti, Direct Line and JLT Travel Insurance.
There are several places one can buy a cruise holiday. Cruise holidays are a staple of travel agents, and can be purchased there - these can usually be located at a shopping centre or similar structure. They can also be purchased online or over the phone, depending on which company one is purchasing their cruise holiday from.
There are several places online where you can purchase holiday travel insurance. Some websites that I would recommend are: www.travelprotecta.com and www.priceline.com
Cruise insurance typically does not cost much money. The benefits are great because they reimburse the expenses of your travel in the event of a storm, an unexpected family or travel crisis/cancellation.
Holiday insurance is one type of travel insurance. You buy the coverage from a company and are then are insured in case of problems that arise throughout the trip.
One can purchase holiday insurance if one is over the age of 65 from My Travel Guard. Insurance of this type may also be purchased from Travel Safe, the Vacation Plan and Travel Safe, the Premier Plan.
That would depend on the kind of travel you are embarking on since flight insurance and cruise insurance are different. Most companies that provide travel will direct you to a reputable site that offers such insurance.