Travel insurance

Hi everyone, I need some advice as don't know what to do :question:

I booked a low deposit holiday to Orlando for 14 nights for 7 of us for Sept/Oct 2019 with Thomas Cook (flights,villa,park tickets, flexi book etc) back in February this year. But at the beginning of April I slipped a disc in my lower back (confirmed by MRI) now been referred to have injections by a orthopaedic after physio hasn't done anything to improve the pain and movement.

I was a Ltd company (franchise) working under a water meter reading company. I've had to give that up as it involves a lot of walking and bending, so now will not be able afford the payments. I've already paid roughly £2400 so full deposit has been met now, so if I cancel will lose £1800.

Spoke to Thomas cook they said I could change the holiday so thought Disneyland Paris for a few nights at least the kids would still experience the magic, well been told I can't as the original was booked under AirTours, was advised to look for a different destination under the AirTours banner, can't find anything that comes into the £2400 price range and really can't afford anything more seeing as I haven't had a income since the start of April.

So thought as I booked with flexi book I would take the eldest kid to Orlando and just do Universal but been informed that I would lose £1250 for the 5 I take off the booking plus £400 for the insurance I took out with them so basically £1600+ so leaving me £800.

I've spoken to the insurance company and they have said I can't claim as I haven't been made redundant and would only be able to claim if the doctor writes me a unfit to fly letter but I can't see the doctor doing that seeing as the flight isn't till next year.

The girls in my local Thomas Cook have been trying to pull some strings for me but have been met by a brick wall, head office won't budge. This is the longest I've been out of work and already finding it depressing and the thought of my hard earned money going down the drain isn't helping.

Any advice anyone please ????