Hotwire Offers insurance for cancellation or change , Internet

I used Hotwire as recommended by friends for a recent trip to visit my mom While she undergoes cancer treatments. She had an appointment at the adjoining cancer center. I knew from experience that the doctor appointment dates could change. So, I purchased the insurance sold through Hotwire in the reservation process by a partner, Allianz, "in the event of cancellation or change to your accommodations". One day before my scheduled travel, I needed to change my reservation. I was told by Hotwire that they couldn't help me, and that all sales were final. I called Allianz, and they said that the insurance only covered "a medical emergency".
The only reason anyone would buy travel insurance like this would be for a change or cancellation to their travel plans. They sold it under this guise. I believe this is a misrepresentation of the true intent. While they sent me a confirmation with all of the attachments that a person could cancel the insurance within 10 days of the purchase, I honestly did not read through all of that.