I've had maybe a few weeks over the last 4 years when I've had a cold and never bad (I fortunately don't get sick/flu, etc.). I ask T first and then if she says it's OK (almost always the case because I haven't had a real illness in years), no hugging. The times I haven't been able to go, we've had a phone or Skype session. Perhaps the latter will be an option for you?