Our travel insurance covers us for 'travelling on a cruise ship' and easily covers the emergency medical expenses requirements, emergency repatriation and Covid 19 etc. However, it specifically says it is not a 'cruise specific' policy as it does not provide for missed ports of call or missed excursions due to a change in itinerary ( not a problem). The email we had from our TA says it needs to be 'cruise specific' . Any thoughts?