You may get some kind of travel insurance with the credit card you used for the airline tickets, so make sure you check that first. Also, if you need to come back for your parents, that is probably not covered under the cheap insurance policy. You may have to get the "cancel for any reason" policy, which must be purchased the same day as your airline ticket (or the price goes way up). I've used Travel Guard before...not sure if there are better ones, but I was pleased with them. Good luck, have fun.