甘い

と言わざるを得ません。

予期せぬ事故のみが該当します。
Reimbursable incidents

Funds will be reimbursed if the traveller is unable to take a planned trip due to the following unforeseen incidents.

Acute illness or accident affecting you, your travelling companion on the same booking or a close relative, and you are advised not to take the planned trip according to a certificate from an impartial doctor who is providing treatment.
Death affecting you, a close relative or travelling companion on the same booking.
Cancellation protection does not include:
remuneration which may be received from elsewhere, such as other cancellation protection or insurance.
illness, accident or injury of which you were aware (with which you were diagnosed) when concluding the cancellation protection .
chronic illnesses/infections/mental disorders, unless the person has been completely free of symptoms/problems over the past six months, from the time of booking the trip. If the cancellation relates to these symptoms, the diagnosis must be confirmed by a specialist.
illness, accident or other repercussions due to pregnancy or childbirth.
complications caused by alcohol, other intoxicants, sedatives or narcotics.
costs arising due to the fact that the insured party delayed his/her cancellation of the travel arrangement.