Just about to get family multi-trip travel insurance and read the small print. It would seem under cancellation/curtailment clause that we would have not be covered to return home if a close family member,parent sibling, relation is serverely sick or passes away due to any existing medical condition or even an investigation for a condition or on a waiting list, previous to us taking out the policy. Would this apply to all travel companies? I phoned customer service to check and they confimred there would be no cover for cancellation/curtailment in this circumstance where there is a pre existing condition of a close family member. I initially assumed the people travelling would be covered if curtailment of a trip was deemed necessary in an very serious emergency, but it seems not, if the relative has an exisiting medical condition.