travel insurance against COVID-related cancellation/inability to travel

A student (not me) is hoping to travel from the UK to Canada to take up residence under a student visa in early January. They have a valid visa etc. etc., but at present there is a travel ban in place due to novel strain emergence. I don't expect that ban to still be in place 2-3 weeks from now, but in case it is (and knowing that there are a million things that could happen to make travel impossible: travel restrictions, cancelled flights, etc. etc. etc.); does anyone know if there is a way to buy reasonably priced (say on the order of $50) travel insurance for this scenario? I know I could start looking up travel insurance web sites and inspecting the fine print to try to figure out if COVID-related cancellations would be covered, but any advice/experience would be welcome.

I am not asking whether cancelled flights would be refunded/rebooked by the airline. I am interested in travel insurance that would refund airfares for any (COVID-related) reason that travel turned out to be impossible (government travel ban, flight cancellation, etc.).

Looking on which.co.uk as suggested, their "complete" tier is the only one that covers "cover for cancellation due to government advice", and according to them there are no insurers that achive that tier ...