Can you put it on a credit card? Although you will have to pay commission charge of 2%, it sounds like your only option. You will have the purchase protection a credit card offers if anything goes wrong with the holiday.
You agreed to the terms and conditions when you booked the holiday, so you are bound by them, unless you have to change the booking or cancel due to extreme circumstances such as death of one of the party. Your travel insurance would then cover you to some extent.