Sorry to hear about the loss of your dad...
It is sad this goes on more than we would like...... 2 of my grandparent died out of the blue while I was on holidays (years ago) with parents and both times the insurance companies either refused to pay or did not cover all costs involved. Both oldies were not on any medication at the time! and still very little payout!
my dad did not get home in time to bury his father........ No amount of money could solve that.
Count your blessings....
Just food for thought!