I think you'd be best off consulting an insurance broker. Have a look on www.biba.org.uk.
See my answer to the previous question on this board. which deals with medical ins difficulties however i think you are finding it difficult to get cover for if you should have to cancel your cruise? Have you tried the insurance recommended by Cunards Parent company? Otherwise, I too would go to a broker.
My mum is aged 87 with no existing medical conditions and has found Virgin Travel insurance the cheapest by a long way. I don't know whether they would insure you both on a long world cruise but it may worth contacting them.
Try Insure and Go on internet. Very good coverage.
We used Direct Line for a cruise this yer for my Mother who is 80, arthritic and with a history of stomache problems. They insure up to 85 for all normal cruise activities - we paid £50 for 10 days in June.
Hi - just reading through the questions regarding insurance to cover a world cruise. I am having exactly the same problem as yourself and I am wondering if you managed to find a company who would cover you for the full cost of your cruise if you had needed to cancel it and also for the number of days you would be away. If so, I was wondering if you would kindly let me know the name and address of the insurance company. I would appreciate it very much. Thank you.