When it comes to travel insurance, most providers have a broad definition of an immediate family member. This typically includes the following family members:
Travel insurance is designed to cover unforeseen events that happen to you, a traveling companion or a family member. If something happens to a family member before or during your trip that forces you cancel or return home early, your plan can reimburse you for unused trip expenses. In this situation, you can be covered for all of your prepaid, non-refundable trip expenses.
This coverage is provided under the Trip Cancellation and Trip Interruption benefits. In order for coverage to apply, you must cancel or interrupt your trip for a covered reason. When it comes to immediate family members, the most common covered reason is an unexpected illness or injury.