Yes twice. 1st time my sister passed unexpectedly. I was scheduled to fly to Rome on Saturday for a Monday B2B sailing. The funeral was on Monday. This was a Celebrity cruise. I instead flew from Houston to LA and on Tuesday flew from LA and boarded the ship in Athens. This we pre Covid. Insurance covered it completely. I needed a copy of the death certificate
2nd my then father in law got put on hospice 2 weeks before we were to sail. Insurance requested documentation from his doctor. They faxed documents and covered the canceled cruise.
Hopefully everything works out well for your family.