UK cruise travel insurance

I’m soon to go on a cruise around the U.K. from Newcastle port and I’m looking for travel insurance but finding it just as expensive as if I was going abroad with flights.  Surely I don’t need to have cover for medical expenses, and declare medical history, as being a U.K. citizen in my own country, it is free of charge?  I just want cover for if I need to cancel.  Could anyone advise please?

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