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travel insurance - USA to London

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First I have read many other post about insurance and WOW - I dont understand insurance but I think would feel better with it!.

We are booked for London Mid March - I did purchase insurance when we booked the flights - this is covering delays, interruption, medical BUT is the medical cover only during the flight or for the entire trip?? How do I find out?? I have sent an email to BCBS about medical coverage while in London - after being on hold forever and no response. From their website it looks like I have coverage BUT want for sure!!

I am wanting coverage for the flat we are letting - I read their policy and if cancelled I could lose the $$$ paid if WE cancel.

There are five in our group and since we have flight insurance and IF our medical insurance covers us would we need travel insurance on each of us to cover the flat??

Thoughts???

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