Travel insurance is so useful.
We got a puke bug once in the US. Right before boarding a flight. Wouldn't let us board, nor did we want to.
Had to go to the doctors and get proof. US doctors were hacked off we were bothering them with puke bug. Tried to explain about travel insurance and the didn't get it.
But got all our expenses back, including flight change fees, etc. No questions asked, since we had doctor's notes. That was through John Lewis , who aren't doing travel insurance anymore.
KFDancer, I hope you're getting some good answers on the wee man through your private insurance!