This is WAY off topic but I just discovered it and thought I'd pass along what I learned.
My wife and I took a cruise a while back. The cruise line offered "trip cancellation insurance" but it was very expensive so we just took the chance that we wouldn't get sick just prior to the cruise. And everything worked out okay.
But a couple of days ago, I was having lunch with a friend and we were talking about his dad, who had bypass surgery recently - very unexpected. He mentioned that his mom and dad had been planning to take a trip to England - in fact, my friend had made all the arrangements. Then he said, "It was lucky I put all the charges on my card, because my card provides up to $10,000 in trip insurance (for charges made on the card)."
He said he had to get a certification from the hospital, but once he got that, the credit card company refunded all the travel expenses - no problems.
Prior to my conversation with him, I didn't know that some credit cards offered free trip cancellation insurance.
I'm not going to mention any particular cards, but if you search on "credit cards with trip cancellation insurance" you'll probably find some. It can save you thousands of dollars if you take a cruise or foreign vacation.
Mike