i know how you feel! My youngest (9) is running around outside, falling and i keep running out saying be carefull or we will not be going skiing next week! It is a worry and unfortunatley for you its happened!
hope you get your money back, perhaps book in March?
or save it for next year!
Leave her behind - she'll be fine !! (JOKE) Thats what I keep telling my 3 (13,9 & 3). I've told my fella if he plays rugby this week and breaks any thing hes STAYING at home. I NEED A HOLIDAY !!!!!!!
My son broke his arm before a trip to the USA the insurance covered the canx for the whole family 2 adults 3 children. We had to pay an xs on each claim though. I am sure it will be fine.