Flight cancellation - will travel insurance cover there is a family emergency?

I had booked a trip to USA for 20 days starting from in 2 weeks. I also bought travel insurance from HDFC Ergo for 4000 rupees covering medical emergencies, trip cancellation, baggage loss etc. Unfortunately, I have to cancel the trip because there is a family emergency. My flight tickets cost 50000 and hotel booking was 50000. Will my travel insurance cover these cancellation charges? What documents do I need to submit? The policy says trip cancellation is covered but I am not sure if my reason qualifies. Has anyone claimed for trip cancellation? How much did you get reimbursed?