Flight cancellation with Jet 2.com

Hi All
I booked 2 flight tickets on my credit card for myself and friend in January .
My friend booked the accomodation on her card. 
I have since had new  health problems.
I have travel insurance via NAT west bank.
They have agreed to refund my flight if can't or want to cancel but I have to accept that they can't refund my friends flight.
Is there any other way that I could get the other ticket refunded? Is my friends insurance likely to cover even though I paid ?

Thank you in advance for any comments / suggestions 

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