Our travel insurance provider CSA changed names to GENERALI and they have additional services for travelers--identity theft protection for 6 months after departure of your trip & a Teladoc service for connecting to a physician over their app. We used both on a train trip through Canada...
Amtrak's insurance will not cover other parts of your trip. Same as with cruise lines. I recommend a 3rd party/independent travel insurance provider regardless because there is no conflict of interest in insuring the trip you just purchased from the operator (train or cruise). We have had...