We purchased insurance from our TA for our Oceania cruise. We tried to get air schedules from Oceania by paying the additional amount, but their schedules were fairly ridiculous with 2 or 3 stops or 45 minute layovers. We cancelled their air and also plan to arrive 2 days early and used our own hotel and pay for our transfer to the ship port. There has been a hint that since we purchased our own air our Ta's saying our medical piece of it is not valid for the 2 days prior to boarding the ship. Any insurance we have ever purchased, normally gives 2 days before and 2 days after. Thoughts?