I just returned from a trip to UK, and took out a travel policy with MSIG which states 'the Company shall indemnify the Insured for loss or damage due to trip cancellation or trip postponement occurring within 60 days before the trip commencement date.'
I did not need to claim but a phone call to them assured me that if I had to cancel due to Covid, or any accident, death etc, I would be covered.
Cost was just over Bht 2000 for a 3 week trip.