Yes. Everyone staying at the reservation is insured. Note that some coverages are subject to plan maximums.
You can qualify for coverage for pre-existing medical conditions as long as the plan is purchased prior to or within 24 hours of your final trip payment, you are medically able to travel at the time the plan is purchased, and all prepaid trip costs that are subject to cancellation penalties or restrictions have been insured.
The Travel Secure plan includes Damage Protection, which covers for unintentional damage to the vacation home during your stay. You can be reimbursed up to $1,000 if you are charged for covered losses or if your damage security deposit is withheld.