You can refer to a passenger ship as a boat.
客船 • When the boat reached Cape Town, we said goodbye. 客船抵达开普敦后,我们就分手了。
If you say that someone has missed the boat, you mean that they have missed an opportunity and may not get another.
坐失良机 If you don't want to miss the boat, the auction is scheduled for 2:30 p.m. on June 26. 如果你不想坐失良机,拍卖会定在6月26日下午2:30。