During the process of reviewing TripMate insurance prior to our cruise, I called TripMate to review the coverage and found out that the insurance only covers the time you actually embark on the ship until disembarkation. This is the first time we have purchased insurance through a cruise line so we are discovering several interesting nuances with this particular policy. As we are arriving at our embarkation city several days early on our own,  it does not cover us for anything including medical