What does that mean? I can't see why it shouldn't work
As per Allianz (confirmed with them over the phone) even with the Cancel Anytime policy, there are several exclusions. One of those exclusions is an Epidemic. They stated that if cancellation is directly or indirectly related to the COVID-19 outbreak, it would not be covered.
So if you "changed your mind" would you be willing to sign a sworn statement that it is unrelated to COVID-19?
I would sincerely hope that the established operators have proper insurance to cover them. A program could easily colapse with a travel ban, lack of bookings, cancellations, supply disruptions, etc.