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Travel insurance: cancellation cover for non travelling relative?

I am finding it difficult to find a travel insurance provider that will pay out for cancellation cover. My father has a pre existing medical condition. He will not be travelling with us but it is likely he will need surgery in future, we have not been given any dates. I have had a look online and have seen that most providers will not cover cancellation costs if I knew when taking out the policy of my fathers medical condition.

Has anyone else been in a similar situation and could you recommend any travel insurance that will cover this. Any help would be much appreciated.
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