It will depend on what the non-refundable portion of your trip is at the time you developed the medical condition. The examiner will look at the penalties that were applicable to you on the date of the cause of the cancellation or on the next business day at the latest and you will be reimbursed for covered non-refundable expenses.
If you have purchased the Premium Protection Plan Policy Coverage you may cancel for Any Reason and will be reimbursed for amounts listed below...
BENEFITS UNDER THE CANCEL FOR ANY REASON ARE PAYABLE AS FOLLOWS:
1. 7 days prior to departure 75% of the non-refundable trip cost
2. 6 days to 24 hours prior to departure 75% refund up to a maximum of $1,500
EXAMPLES OF EVENTS COVERED UNDER THE CANCEL FOR ANY REASON BENEFIT:
You could not get the time off work
You are starting a new job/position
You don’t like the weather forecast
You simply change your mind