If I am unable to fly on a flight that has been purchased with FF points, are the points refunded or credited. Will travel insurance reimburse if I have to cancel for a medical / bereavement reason? Probably silly Q, I know. Unfortunately my wife made me buy insurance for a J class flight in 3 months before I had time to think about it. If answers to the previous Q's is NO, can I cancel the policy within a few days?