In the next several months we will be going on a Rhine riverboat cruise. On one of the days we will leave the cruise, spend the night elsewhere, and then catch up with the riverboat the next morning. In talking with Tauck about this deviation I was surprised to learn that we will not be covered by Tauck's insurance while we are on our own.
Had I known I would have booked insurance through another company so that I would have complete coverage. I know this isn't what most people do but you might check for other insurance plans should you decide to skip a night on a cruise. I imagine their rule applies to land tours also.