I wonder if someone could help me here please

I've been informed that there are no travel insurance companies that will pay for cancellation costs if it is due to a pre-medical condition of a close family member. However, some insurance companies clearly state this on the policy wording, while others are more vague and say that they will not pay claims related to an "anticipated event".

The definition of this is below:

'anticipated event' means any event or occurrence which you or your immediate family knew would occur or could have reasonably have expected to occur during your trip and which you or your immediate family were aware of at the time of booking the trip.

My mother had cancer last year but has now completed treatment and it was all successfully removed but if however I was to cancel due to her condition would this be classed as an "anticipated event" because I was aware of it when I booked?

I'm just asking because I'm led to believe that however the travel insurance policy is worded that there are NO travel insurance companies that would pay out for a claim that was related to the illness of my mother? Is this correct?

If there are no companies that would cover me for cancellation costs in relation to this, then it doesn't matter who I choose to take my policy out with as they are all the same.

Many thanks.