Can anyone tell me how much insurance typically is, and what it covers, specifically if it will cover my worry...My brother was diagnosed with cancer in September, and is awaiting a liver transplant. He is ok right now, but my concern is if he takes a turn for the worse, or better, gets "the call"- I would want to be around. I'm looking for something that would allow me to cancel last minute bc of his medical state. How does this work with nonrefundable airfare? Im so nervous to book anything, but at the same time need a vacation from the year weve been having