It is hard to believe it will happen to you, but the best laid plans can sometimes go wrong. To protect yourself, we strongly encourage you to take out an inexpensive travel insurance policy in case an emergency arises and you need to cancel. We advise you to buy travel insurance when you book because we cannot be held responsible for cancellations for any reason. These are some of the companies that offer travel insurance. They are only suggestions. but make your own decision as to insurance vendor.