We had a charter for June with the Moorings. After 16 charters in the BVI and years ago having gone after a major hurricane, I realized that it will not recover to provide the experience I have had in the past and was about to pay good money in June to have again! They did permit our cancellation however charged a $400 fee. I would rather lose the $400 than spend thousands more for a vacation which would probably not meet my expectations. We did have a contract and knew up front their policy. I am not pleased losing the money as the BVI I booked is not just yet back in order. I would never book with the Moorings again and probably not return to the BVI.
On a much more important note, I hope your wife is recovering well and has many years or future vacations to look forward too.