What you can now get is cover for the virus when you are abroad, but not for having to cancel because of it. Unless you are able to find lots of cash very quickly cover is essential simply because the cost of repatriation can run into thousands of pounds particularly if you have to use an air ambulance. Even worse the cost of bringing a dead body back is extremely high.
I know the chances of either are low but the point is that the policy is there just for that remote possibility and nobody knows before they go if they could be that unlucky one.
Premiums are likely to be higher, but so is the risk being covered, and so you need to accept this and check if you are prepared, or possibly able to pay the premium before you book.