We strongly suggest you purchase travel insurance that provides medical and emergency evacuation options, as well as trip cancellation/ interruption and baggage loss insurance. While we never expect the unexpected such as health and family emergencies, they do occur. Travel Guard is one of many companies we recommend: http://www.travelguard.com/. This coverage may offset cancellation charges in the event of illness before or during the trip and/or if you need to cancel for work reasons depending on the coverage provided by the plan.