There are a couple of exceptions: Cancel For Any Reason would cover it but not 100% and there are a few policies that do though some have changed their policies to not cover it going forward in new policies since they probably realized it is a real thing and has cost them a lot.
I discovered that the coveted 'Cancel For Any Reason' didn't apply as long as they issued a credit toward a future trip! Unlike your situation, they didn't offer me the same trip in the future - they offered 100% of what I spent on the land only portion - so if the cost goes up I'll have to make up the difference. My ex worked for a reinsurance company and I know how hard they work to not give up a single penny. This is how it's done. Mostly, it doesn't bother me (because what can I do about it?). But an offer for the exact same trip in the future w/o paying an uncharge would have been nice.