You may have an immediate relative with a medical condition who is not travelling with you. In some cases, if their state of health deteriorates greatly, you may need to cancel or curtail your journey.
Subject to all the other terms and conditions, such claims are covered if the relative’s doctor is prepared to state that at the date you booked your trip, he/she would have seen no substantial likelihood of his/her patient’s condition deteriorating to such a degree that this would become necessary. If the doctor will not confirm this, your claim is not covered. In the event of a claim the doctor must complete the medical certificate on the claim form.