Sorry ruh roh, that sucks and is a bit over-cautionary in my view.
A few weeks ago when T and I didn't hug because one of my kids had had a stomach bug my T realised that I had perceived this as rejection even though I initiated it by saying I wouldn't hug him. His simply agreeing with that was a piece in a jigsaw of hurt.
As for a cold, that's a bit much. People get colds all the time and most clients wouldn't even be so courteous as to warn the T in advance. Sorry she didn't respond well. I hope a phone session helps you anyway.