1. True, but the OP purchased no insurance.But with what is going on now, unless one buys a Cancel for Any Reason insurance policy, travel insurance doesn’t cover this. This is a cancellation due to fear of getting sick and is not a covered reason to cancel.
2. If the OP's mother is that fragile, perhaps they should have purchased CFAR protection? You can't predict misfortune.
3. I'm going to the UK in May, so permit me to bury my head in the sand until then.