We have been quoted by AllClear and it does seem to cover everything but was much dearer than other quotes, however I have been advised the "cruise" element substantially increases the cost.
Covering the diabetes element is the most important part so I think I will just pay up, we need to cover Hawaii as well as the cruise.
Cover is for my son T1D 24 years, he will soon be 26. He loves to travel, just thought any newbies reading this may take reassurance from the fact anything is possible.