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Topic - travel insurance question

Newbuild100 - on 22 Jul 2012
I will be going on a trekking holiday in october, and will look to purchase some kind of travel insurance at some point. (Ive paid for most of the trip, and all flights etc).

I did a long hill walk a few days ago and had pretty bad knee pain at the end. Past experience tells me its cartlidge trouble !!
Two days later, ive no pain at all and walking fine.

However, its got me thinking. In a situation like this, what happens if it hits the fan and an "injury" causes me to have to cancel the trek/holiday. ?

Will insurance companies refund the cost of the trek/flights etc ?
Can anyone reccomend a travcel insurance company I should be talking to ?
(Obviously, I wont be mentioning the above !)

Thanks guys
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