Late cancel exception

I woke up sick and asked the Castro SF studio to put my credit back - I didn’t have a class until 3pm and emailed them around 9am. They told me that they only allow a late cancel exception one time per YEAR? So if I’m sick and I don’t want to lose the credit, what should I do? I’m trying to protect other people in the class by not showing up sick. That seems so wild to me.