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Trip Insurance: Any experiences in redeeming expenses?

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I've just made an apartment rental deposit for NEXT Thanksgiving. My mother, who NOT going on the trip, is almost 83, so there just might be a chance that she would be hospitalized or something like that.

I have ordered trip insurance before. I have never had to redeem anything. Has anyone had to have a refund based on a family member's (not on the trip) illness or death that they can share?

Thank you.

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