Legit trip insurance companies will pay valid claims, but read your policy carefully and enlist the aid of your Dad's medical providers to help you file. I haven't had any experience with "pre-existing conditions" as they relate to a relative, but there could be a question here if you didn't purchase insurance within several days of booking your trip. Our trip insurance was purchased through Princess...Berkely Travel Care. We'll hope for the best.
We were due to take our Alaska cruise of a lifetime starting last week but, unfortunately, my father-in-law had to be hospitalized. Fortunately we had trip insurance. What have been peoples' experiences with getting refunds when having to cancel their trips? Thanks, Jim.Doc