Thanks to all for the responses. FL seems like a hit or miss - will wait and see/try and post.
As for Zika, I can't understand the confusion as the website states:
Zika virus travel policy:
If you're pregnant and traveling to a destination in Latin America that's affected by the Zika virus, you and your travel companions can request a refund. Just provide a doctor's note confirming your pregnancy when you request a refund.
It is also your pregnancy - it seems pretty straightforward. I would get the doctors note - put in for the refund online. The only hiccup I would anticipate would be that they may want to confirm your marriage or partner's status - maybe a utility bill showing residence. Regardless - I would write off the first agent's response to ignorance of a new policy/public health threat. Pretty normal.