Cancelled flight due to illness - Section 75 or not?

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Hi
A friend of mine is having to cancel her holiday. Her husband has a condition that affects his lungs (covered on his travel insurance) he had a check up yesterday and unfortunately following a collapsed lung a few months ago it hasn't fully inflated.
He is of course now unable to fly and requires an emergency operation.
Would my friend be able to claim back the flights via section 75 or her travel insurance (depending on the small print of course) or will she have lost it?
Many Thanks
A friend of mine is having to cancel her holiday. Her husband has a condition that affects his lungs (covered on his travel insurance) he had a check up yesterday and unfortunately following a collapsed lung a few months ago it hasn't fully inflated.
He is of course now unable to fly and requires an emergency operation.
Would my friend be able to claim back the flights via section 75 or her travel insurance (depending on the small print of course) or will she have lost it?
Many Thanks
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S75 is only an option to claim against the finance company when there would be a claim against the service provider. There is no such claim in this case as nothing the holiday provider did is the reason for not traveling
Travel insurance is the best course of action but whether you can claim depends on policy that was purchased
2023 £1 a day £54.26/365
As above it is a travel ins issue.
Cancellation due to a family member is unlikely to succeed because its a pre-existing condition and unlike those covered by the insurance I am not aware of any policy that allows you to declare illnesses of your non-travelling family members.
Her travel insurance is much more likely to cover it because the person she was travelling with has had to cancel - these clauses are less common to have a pre-existing clause.