Re: flexible flight tickets
Insurance would generally cover someone "falling ill". You'd have to be careful how you played it with the insurance as it would seem your son is already ill, or if he's not what makes you think he might need surgery in 4-6 months?
If he has periodic check-ups and there's always the possibility of intervention then the insurance will likely be interested in that. Haveing said that, it seems in Switzerland insurance companies often pay out with making to many inquiries but maybe not for a family trip to the US.
Sure you'll pay more money for refundable flights.
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