I'm looking at expedia, orbitz, and delta. I found out that delta's travel insurance only covers 10 days after purchased ticket. I want travel insurance that covers up until the date of departure. do you know any plan that does that meaning buying a non refundable ticket but buying the insurance plan that lets you cancel with a ful refund up until the date of departure (basically buying the insurance turns the non refundable ticket into refundable?

If you buy travel insurance, you can only get a refund under certain conditions - such as if you lose your job (even then only if you've been with your current employer for three consecutive years or longer), if you're too sick to travel, or if there's a death in your family. You can't get a refund if you just change your mind and don't want to travel, even with the insurance. It has to be a reason that is stated in the insurance policy. That's what the insurance is for - unforeseen circumstances (basically a catastrophe), not just changing your mind.

Also the travel insurance that Delta sells isn't directly offered by Delta. It's offered through Allianz Insurance, which is a massive insurance company. Most if not all airlines that sell you travel insurance offer it through the same company.

That is not how insurance works. Insurance will only refund your airfare for certain reasons such as death, sickness and weather delays. You cannot claim insurance because you changed your mind. And in order to make a claim, you have to have documentation, death certificate, doctor's note and or information from the airline that proves you were delayed due to weather. And on top of it all, there may be a deductible.

If your not sure how concrete your travel plans are, either buy a refundable ticket or wait until you are absolutely sure your going.

Now, there are certain times when it is advisable to get insurance. This is mainly for international travel and it is more for the actual trip itself in case you get injured or killed. However, certain credit cards also include this type of coverage so check with your credit card company.

You can always purchase flight cancellation insurance - from an insurance company, not the airline I don't think. I always purchase flight cancellation - health insurance. These you must purchase within 3 days of buying your ticket. Your expenditures will be refunded (even from a nonrefundable...by the airline) IF you have a valid reason to cancel, like loss of job, or death in the family or some such reason

No. Insurance covers things like being too sick to travel, in which case the insurance pays your money back.

No insurance does this. After all, that would be dumb.