I'm also glad this worked out for you. I only buy trip cancellation/emergency coverage for expensive trips like when I'm overseas. I take the small risk domestically and don't get it because I can afford those losses more easily than the cost of overseas airfare, etc. Besides our own health, my wife and I both have aged parents and most policies cover emergencies relating to them.
Generally a good policy costs about 5% of the value of what you insure. I usually buy with TravelGuard. The one time I did make a claim (my wife injured herself and couldn't go) they promptly paid us the $5000.00 we had insured the trip for. The check arrived within 3 weeks as I recall.
As with all insurance, never buy the cheapest policy. Anyone will be glad to collect your premiums. Buy your insurance with a company that has a good reputation of honoring its claims. Not all of them do.