Thanks @Lwang. I decided the best course of action was to pick up a Diveassure policy (only medical as per the requirements - not cancellation) and then docket a recurring appt in my calendar to check the KBYG for T&C every couple of weeks. If they add something like that to the policies between now and my departure date hopefully I can shuffle around flights, lodging, charters, etc. and at least get some of my money back. If not, oh well..that's the cost of trying to do a LOB with a global pandemic going on. 
