Originally Posted by
Lasiana_beach
Actually, if it is a real emergency, class of ticket is irrelevant.
Yes, if you contract Ebola in Congo, but the OP's father was already hospitalized in Norway and situation was not a "real emergency".
And you should never make the booking yourself but have the insurance company do the paperwork and payment.
But this is the crux of the issue -- you should have gotten the insurance company involved before you booked the flight. You'll now have an uphill fight to claim it back.