Looking for insurance for upcoming cruise

[FlashF15]

We have a cruise at the end of May. We will depart out of Barcelona & travel to Italy & France (or that is what is currently scheduled). We have made the initial payment but not the last one. 
so, I was looking into buying an Allianz policy but then read a post about an exclusion in the policy  of going against government advice. All those countries are currently level 4 “do not travel” according to US Stare dept. so, it doesn’t look like Allianz would be a good choice. 
my question is are there any policies that would be good to get?  Does Nationwide have this exclusion?  I would hate to not get insurance but also would hate to waste money if they say “sorry, you traveled against govt advice so you’re not insured.” 
thanks for your comments!