Rachael - For whatever it's worth, my family has a small history of similar events.
Some years ago when my brother-in-law was about 3 months from leaving on what would become a circumnavigation, he helped another boater into the dock, and broke his big toe! Trip postponed a full year!
Just recently, my brother was a few months from leaving for Mexico (we're in San Diego) and hit a channel bouy while trying to avoid a port tacker who was not looking! About a 4 month delay, not to mention many $$$$ in addition to the insurance.
I know these stories won't make you feel any better...But I hope you get well soon and live your dream.