My policy does have that option, because I paid a premium price for it,
Your suggestions are very fuzzy given what we have seen happen to tour groups where one person on a plane, bus, or in a hotel, develops symptoms. In fact at least 2 hotels in Tenerife are now on lockdown for 14 days because of single travelers showing symptoms. Within 3 weeks even EU countries could be closing borders to each other.
Travel internationally within 3 weeks?
No way.
YMMV, I leave in a month, so we’ll see. Got home about a month ago. I don’t do tour ships or group bookings. I am in touch with friends and relatives on the ground. I don’t believe what the MSM says.