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Why worry about later shows up as a stomach ache now, why "don't worry" and cancelling both backfire, and a five-step plan a small child can hold.

The swim is at four o’clock. It is now seven in the morning, and your child has already said three times that they do not want to go. They are not hungry, they keep asking what will happen, and they have a stomach ache that seems very real. Nothing has gone wrong yet. That is the point.
This is anticipatory worry: a feeling about later that arrives now. It is one of the most common feelings in small children, and one of the easiest to make bigger by accident.
Butterflies are not a figure of speech for a child. When the body prepares for something it reads as risky, it diverts energy away from digestion and towards the muscles, so a worried child often genuinely feels sick, needs the toilet, or cannot eat breakfast. Adults have the same response before an interview or a flight. The difference is that a four year old does not know what the sensation is, so the sensation itself becomes one more thing to worry about.
Naming it helps more than you would expect. “That fluttery feeling is your body getting ready for the swim. It is worry. It is not being ill.” A feeling with a name is smaller than a feeling without one.
“Don’t worry, it will be fine” is kind, and it is almost always the first thing we say. The trouble is that it asks the child to switch the feeling off, which they cannot do, and it tells them the adult has not really heard the what-ifs. Most children respond by repeating the worry, louder, to make sure it lands.
The opposite instinct is just as natural: if the swim is causing this much distress, cancel the swim. That brings instant relief, and it teaches the lesson nobody intends. The child learns that the worry was right and that the way through a scary thing is around it. Next time, the worry starts earlier.
What tends to work sits between those two: the big day still happens, and the child gets something concrete to hold on the way there.
Whatever happened, say what you saw: “Your tummy was full of butterflies and you still put your toes in.” The story a child tells themselves afterwards, I felt scared and I tried anyway, is the thing they will reach for next time. It matters more than how far they got.
That is the whole shape of Capy’s Fluttery Tummy. Capy’s first swim in the big pond is later today, and by breakfast his tummy is full of dragonflies. Mama does not cancel the swim and does not tell him not to worry. They go to the Practice Puddle, take three slow dragonfly breaths, and step into the big pond one small step at a time, with a phrase a child can borrow: Flutter, flutter, I can try.
This is general parenting writing, not medical or psychological advice. If a child’s distress is frequent or intense enough to worry you, a pediatrician or a child psychologist is the right next step.