Yes I agree buy travel insurance it worked for me when I last died on the ship. Okay you don't go in beside the vegggies but there are "chillers" (a real morgue) to hold those unfortunate enough to die when onboard.
Hey ho, thats life and death and the rest or majority of the ship would never know.
Oh and they cant scatter your ashes at sea unless you came onboard in an urn in the first place. They are good on ship but so far to my knowledge they can only chill you, not cremate you and then chuck you off the pool deck so that two minutes later the family gets back to bingo, paper folding, pool bombing, the art auction or anything else that may have interupted their cruise given you have been so selfish to die in the middle of their vacation