Cancelling a trip as child's not well

[Twinsdad14]

My wife and I are due to go on holiday in five days long haul (for one week) without the kids (four children).
One of my 5 year old twins just got chickenpox and the person whom all the children were meant to stay with has recently undergone chemotherapy so immune is low. The other twin is most likely to get it as well as she has been in direct contact and exposed to her sibling.
Has anyone been in a similar experience as we are likely to have to cancel the trip at this short notice and was wondering whether insurance companies will consider the circumstances as acceptable for a full reimbursement - obviously I doubt chickenpox of a child is considered a serious illness!!
Just don't know what to do? As it's a lot of money to lose but the welfare of my children the person who was meant to be looking after them is my priority and concern!
I look forward to receiving your comments and suggestions

Have you actually called your insurance company? Not sure MN can advise on what is and isn't included in your cancellation insurance.

What comments and suggestions are you after? Some frothing maybe that you are planning to go abroad and leave 4 kids with someone who has just gone through chemo?

Not spoken yet. All it says is that they'll cover if a close relative has a serious illness or serious injury ...... But I have no one else to leave the children with!
I was hoping someone may have been through a similar experience - I appreciate all insurance companies are different

The holiday was booked over 4/5 months ago

If you can't find someone to look after your children, you don't go, hire a nanny for the week or you take them with you. You certainly don't leave them with someone undergoing chemo, poor woman has enough on her plate.

The likelihood is we will have to cancel (one if the kids has chickenpox so can't fly anyway) I'm trying to find someone who may have been in a similar situation and their experience with the insurance company

They are all different. You're better off checking your policy.

What relation is the person who has undergone chemo?
Did you declare them when you took out the policy? If you told them that you were dependant on childcare from that specific person, you'll likely be covered, unless they try to argue that this counts as pre existing.

If you didn't tell them, and it's not your mum/dad/a close immediate relative, you could find it more difficult.

It completely depends on your insurance company and policy, though,

It's my brother's partner and the travel policy is automatic as it's connected to my bank account

It's a real complex one as to the letter of the insurance policy I'm covered if my child has a serious illness which I am assuming chickenpox is not but I was never expecting my child to get it and obviously it now poses a medical risk to the person with whom they were meant to be staying with!
It's not black and white but complex

Contact your insurance. You may very well be covered because airlines will not fly people with chickenpox.

I have met a friend and her DS2 hidding in the corner of the waiting room because she needed a medical certificate for this very reason. She was rather embarrassed as she had claimed on her travel insurance for her older DS having chickenpox a previous year. She was begining to think getting home to see her parents in Southern Europe was jinxed.

My DD has broken her arm and ended up in hospital when we should have been on our way to the airport and the insurers were very reasonable to deal with. Good Luck.