I am assuming that you would not have left without Travel Insurance. You do not mention your wife being with you. I would call the insurers and tell them your dilemma as it is entirely possible that your extra costs and expenses will be covered. It will depend then upon the insurer accepting that Father-in-Law is close enough family for them to cover this. In which case, your wife needs to get a certificate from the Consultant. They do this all the time.