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Trip-cancellation insurance will typically cover you in case of illness or injury, death of a family member or travel companion, or in case of fire or disaster in your home. The following concerns usually won't merit a refund:
Disease – If you catch a disease while in a foreign country, your policy will cover you. However, don't expect to receive trip cancellation benefits if a disease breaks out in your travel destination before you go.
War – If war breaks out at your travel destination before you arrive, you will not receive a refund.
Weather – If the weather at your travel destination is so bad that planes aren't able to land there, you'll be able to take advantage of your trip cancellation coverage. Don't expect refunds for other weather issues, however.