Well... I learned of this forced change of plan whilst in Copenhagen with K and we spoke to her travel insurance company who told us, no, it basically boiled down to us changing our mind (moron). I got back in late last night and managed to sneek a quick look at my own travel insurance this morning and the new looks more positive. I am waiting for them to come back to me with answers to a list of questions posed to them... fingers crossed! Presuming they agree we will get some of the cost back (presumably my flights and my half of the pre-booked hotels) maybe we can even afford to do something less grand earlier in the year. Easter maybe. How is Chicago in March? :)