I wish I could help. I’m in a similar position. We have a July trip planned. It is a bounce back package. My final payment, and final cancellation date, is rapidly approaching. My mother is terminally ill with cancer. I have no idea if she will be alive at the end of July. If so, I would need to stay home. If she is no longer with us, my daughter and I feel we would like to keep our vacation. Life has been very difficult for us all since my mother’s diagnosis last month. A vacation is much needed, and Disney is our “happy place.” I have no idea what to do. I have called to see if I can switch to room-only, but that option isn’t available. I guess I will just keep it, and pay it using a credit card that offers vacation insurance. I’ve never had to use the vacation insurance offered by my credit card, but I’ve read the terms carefully, and my situation definitely meets the criteria.
I’m sorry for the miscarriage you and your wife experienced. I hope you can figure out a solution to your dilemma.