I wondered if anyone would be able to offer me any advice?
My husband and I were supposed to be going(on our own)to the Maldives in just less than 4 weeks time, but our youngest son is very ill in Intensive Care. He was going into respite (he is disabled and has a rare disease)to allow us to get a much needed holiday, but took unwell last week and was put on a ventilator after developing breathing problems. A holiday is obviously the last thing on our minds but wondered if anyone can tell me if the tour operator would allow us to maybe pstpone the holiday and book for a later date? I know that from 6 weeks before departure that if you cancel you start getting cancellation charges and I am sure that if we cancelled now, we would have lose most, if not all of our money. This is one of the most stressful times of our lives and know we are going to be in much need of a holiday. People have said to us to cancel and claim off our travel insurance but I doubt very much we would be covered as our son already had this rare disease when we booked the holiday so I assume they would say we are not covered as we did not mention it when we took out the insurance. The insurance is in my husband's and my names and has nothing to do with our son, but I am sure if you have to cancel because of family illness, then I think there must be a clause somewhere stating that we should have made them aware of his illness. That is why I am wondering if we can maybe get round it by asking if it is possible to re-schedule but doubt that would be allowed at so short notice. can anyone offer any advice or anyone been in this situation where you have had to cancel at short notice due to family illness?
I would appreciate any advice anyone can give me.

Thank you,