I do not know about ALL insurance companies you would just have to check each insurer. MOST people buy insurance for the cancellation coverage so do understand not a penny is refunded if you cancel.

This is only good for lost luggage (after any reimbursement received from the airlines) travel delays, medical not covered by your own insurance and other small miscellaneous things. The biggie would be sending you home if you became ill. So the be aware this is not that much coverage that is why the risk of the insurance company is so low and the premium so low.

Most people ask for cancellation coverage but NOT all the other items and they dont sell it that way as all these incidental things are really thrown in free or for this lower charge for the "everything but cancellation coverage"

You must realise the limitation of what you are buying but if you do not want any cancellation coverage then this may be the right thing for someone.

I know Travelex and CSA have it I really do not know about any other companies as this is what we handle the most.