I want to invest in an ICO yet want to invest in something that can refund me in case I need to pull out the money for an emergency. Know any companies that honor that?
I've never heard of this, sorry. Some ICOs offer escrow protection but that's very different than just pulling your money out whenever it suits you.
My advice is don't invest any amount of money that you're not willing to lose. Definitely don't invest your emergency fund if you don't have income coming in to replace it.