I would take the time off to care for my husband, too. When parents sign up for home daycare, they should understand that we have families, and that sometimes we get sick, our families get sick, and sometimes we have to go to appointments, etc as well.

It's just the way it goes...

My contract states that I will give at least two weeks notice for a preplanned day off or for a vacation. In reality, I usually give a month or more, or tell the parents as soon as we've booked something (whether it be an appointment or vacation). Parents all sign this, and I also mention in my contract that they must have a back up plan, because I will take time off for such things.