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Travel insurance may cover you when your airline cancels your flight when your equipment, as in laptop and camera, has been stolen.
Emergency Medical Expenses, Loss or Theft of Baggage, Trip Cancelation, Emergency Medical Transporation, Repatriation, and Evacuation
What sets World Nomads apart is the fact that they specialize in covering adventure activities.
Baggage loss, delay, or damage is still a common problem.
World Nomads may cover the cost for your trip cancelation if your doctor certifies that you are unfit to travel or if a close relative or your travel buddy dies.
World Nomads covers emergency medical repatriation back home.
If something is unclear, call the insurance and ask until you are satisfied before you buy the policy.