Thanks for the replies.

Sounds like using any of the Amex cards I hold to fund a trip should means I'm covered generally.

Looking at the T&Cs for the insurance, there is no reference whatsoever to cruises. The only vaguely connected bits:

PERSONAL ACCIDENT WHILST ON A TRIP (CEG)
✓ £50,000 for death or permanent disablement on a trip
caused by an accident (increased to £250,000 when
travelling on a public vehicle).

...

“Public Vehicle” means any air or land vehicle, river or sea-going vessel operated under licence for the transport of fare paying passengers. Public Vehicles do not include vehicles chartered privately.

https://www.americanexpress.com/cont...n-May-2023.pdf

Any have an interpretation?

Thanks!