3monkeys4me - my deepest sympathies for the loss of your mom. What a traumatic experience for everyone. My best to you.
I had a Nationwide Luxury Cruise policy for a Windstar cruise last December. We had an itinerary change before the cruise began, and this policy had coverage for an itinerary change that paid me $1250.00 per covered person for this change. It seems like crazy coverage, but after I filed a claim and provided the required paperwork, my son and I each received a check for $1250.00.
I first learned of This Nationwide policy (which isn’t available to residents of all 50 states) when I read about it in the insurance forum here. I thought it was crazy for a company to offer this, but they do!