Have you tried using it lately? If Expedia has a 1pm cancellation deadline and the hotel 2pm, the claim will be denied, not to mention all of the OTAs that are excluded for no obvious reason.

Some people will find this change to be useful, to avoid the lottery of booking prepaid and then having a BRG claim denied. But I'm not sure that a BRG policy that only works on a prepaid basis (taking the cancellation window out of the equation) is worth getting excited about. There might be a lot of lost money by making a prepaid booking and then having plans subsequently change...