having been in a very similar place I also cancelled a booked holiday. Did not have any insurance but on hearing the circumstances we were offered a refund if they could relet the booking. We had the money back.
DD had surgery and internal fixation bolts. It was very painful and took far longer to heal than a simple break that did not need surgery and bolting back together. There were also the endless extra trips to the orthopeadic post surgery clinic on top to juggle.
Unless you have seen a complex fracture that needs surgery and internal fixations it’s hard to imagine or factor in the extra pain from post op pain from surgeons pulling bones back together, from surgical incisions, screwing metal work into place on top of fractures healing. DD could only manage being out and about for a few hours and then only with extra pain relief. She was shattered and in pain from a one hour trip out to McDonald’s.
DD could not face meals so we took lots of smaller snack breaks and one day did a tour of a town via most of the accessible coffee bars between stops at parks, shops she fancied and free to enter sites.
Her siblings agreed cancelling the holiday was sensible and whilst they grumped a bit at the beginning on seeing the X-rays they went on to do what they could to help out. It got horribly complicated and it was two years before we could think of going on holiday as a family again.
Have a look for places with spaces she can sit down and rest if pain is an issue for her. think of how easy are they to get round and how busy….being bumped into made my DD cry and she is very stoic. Think what each child likes doing and ask yourself if there are ways to compromise so your DD also has a chance to enjoy it.
TBH most places that I contacted in advance about access for her that were geared up for kids went the extra mile to find ways she could be safely included. might be worth explaining the type of fracture your child has and seeing if any options might be workable for your DD
(My DD rearranged her femur and hip and needed a lot of pinning so was in a wheelchair and could not be jolted about)