Does travel insurance cover reimburse flight cancellation charge?

To know the conditions acceptable for refund of flight expenses, read the specific section of the policy wording

Usually the monsoon season brings a wide variety of diseases with it. Is there any specific insurance cover I should consider to deal with it? My family consists of my spouse and two children below the age of 10. 

One does become prone to a variety of water- and airborne diseases during this season. However, you should go for a health insurance policy that will cover you not only for season-specific diseases, but also against other diseases, complications and accidents that lead to hospitalisation. Such health insurance (family floater option) will provide you and your family with a complete health shield.