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First off how old is the kid ? You now should have learned a lesson about taking somebody else kids with on vacation. Its sounds good to do but the problems you can run into are vast. We learned our lesson many years ago going to disney. Will never do it again. Found out age does not matter either. Make sure the insurance you purchased covers the cancellation of the two kids reason for cancelling (insurance coverage can vary widely) and some only very specific circumstance. So it may not cover "I don't wanna go". :)

You can't just call the insurance co and lie to them some you need proof of the reason you want to CX. If you payed the top price for CX for anything you will be OK but thats the only way. Good luck.


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