I have a family member whos terminally ill – is that a good reason to purchase insurance?
When you purchase your insurance, you must not know of any reason why you might reasonably be expected to cancel or interrupt your trip. Should you make a claim for trip cancellation or interruption due to a terminally ill family member whose health you knew about before purchasing your insurance, the insurance would not provide coverage for that claim – trip cancellation and interruption insurance is designed to protect against unforeseen events.