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Thank you both for your replies. We personally have medical insurance already - MASA. Airline tickets for this trip are close to $9,000. I just don't want to cancel because of the parent's emergency and lose that amount. I'm booking refundable hotels. I called British Airways - to cancel and rebook the flight it is $500 per person to rebook on trip to London and $400 per person to rebook to St. Thomas. I can live with those rebooking charges.
Goozee
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