Just bought a standalone policy. If you purchase within 24 hours (?) of ticket purchase, you can purchase "cancel for any reason" coverage. I didn't look at the limitations, because I was more concerned with covering medical cancellations (one of our party is an athlete and could get injured - in fact just suffered a torn meniscus, which fortunately should fully heal by our travel dates), and purchased a less costly policy.
I believe the cost of "cancel for any reason" would exceed the penalties and fees involved in the OP's case.
​​​​​​(And even though it is called "cancel for any reason" anyone who's dealt with travel insurance must know that's not exactly true.)