Most travel insurance plans provide coverage for trip cancellation and trip interruption. Those coverage benefits have a list of covered reasons in order to cancel or interrupt a trip. One of the predominant covered reasons is worded similar to a sickness, injury or death of you, a traveling companion or a family member. The sickness should be severe enough for a doctor to recommend that you not travel or to warrant family members be bedside at a hospital, for example. If the cause of the sickness or passing is a pre-existing medical condition, then it is important to have a plan that covers pre-existing medical conditions. Always refer to the certificate of insurance for details.