I can't answer your question, but I note that:

1. Some credit cards include trip-interruption insurance at no extra charge. (You'd have to review the terms and conditions to determine covered perils, and what -- if anything -- you could recover.)

2. In situations like yours, it might be cost effective to purchase airline miles from an airline to redeem for award seats -- if award seats are available for your desired dates of travel. Many FFPs permit you to redeem for one-way awards, and many offer free, or low-cost, refunds in the event you opt to cancel an award ticket.