I have a vacation booked for next month for which I was intending on buying travel insurance. However I just received news that means that I potentially have to cancel my trip in order to attend a funeral of a close relative.
With that in mind I was looking in detail at the cancellation and interruption causes of various policies (selected via Squaremount Inc. )
Typically I see language like
Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.
“Family Member” means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, Yours or Your Domestic Partner’s caregiver, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew.
But I am not convinced that this covers cancellation due to the death of a non-traveling family member. Can anyone confirm that my situation would be covered under such clauses or if not point out the type of language I should be looking for?
In looking at more policies I did find one that sort of calls out my situation.
Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
However this does not change my question.