Yes, cruise insurance is typically sold per person, not per cabin. Even if you book a single policy for a family, the premium is calculated based on the specific age, health status, and coverage needs of each individual traveler. This is because many benefits—such as medical evacuation, emergency medical expenses, and trip interruption—are paid out on a per-traveler basis. For instance, in 2026, if one person in a cabin becomes ill and requires "cabin confinement" or an airlift to a hospital, the insurance only covers the individual named on that portion of the policy. Some group policies exist, but the "per person" model ensures that each passenger has an adequate limit for potential high-cost medical emergencies at sea, which can easily exceed $50,000 for a specialized helicopter transfer to the nearest mainland facility.