Oh poor Frank. That sounds like it's pretty awful. I had a friend whose back went out and he was laid up for months. And poor you! I'm sure you were SO excited to have a weekend with that little munchkin!
Well it's a good thing that your daughter looked into the travel insurance while she was mapping out her trip, because it comes up pretty frequently that people can't travel when the babysitters can't come through because of medical reasons. I'm especially happy that she added the upgrade with caregiver coverage. If she hadn't, she might have lost her entire investment! With the Travelex Lifestyle Pak added on, she's able to cancel the trip if any caregiver becomes sick or injured before she was scheduled to leave. Since she had it, she's definitely eligible to use the trip insurance in this situation.
If she had gone away and then suddenly the caregiver was injured or got sick while she was away, that add-on would pay for additional transportation costs to get her back home. She would also be reimbursed for the portion of her trip that she missed due to having to return home. When the little kiddo gets bigger the add-on is great for traveling families. It offers coverage for traveling students, protects against sports competition delays due to weather and even has some coverage added for traveling pets!
It's really a good thing that she educated herself about travel insurance booking a trip. I hope Frank feels better soon. Give him my best wishes. When you do get your weekend with your granddaughter, take loads of pictures!