Most policies from providers like Allianz Travel or Bankrate-recommended credit cards generally include:
Trip cancellation and interruption insurance helps you recover if your travel plans are upended by covered unforeseen events.
covers you before your trip starts. It reimburses costs if you have to cancel entirely due to specific reasons like sudden illness, injury, or severe weather. tripcancellationandinterruptio
Trip cancellation and interruption insurance? ‐ CoverMe Blog