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Travel Insurance - Return Flight Cancelled insurance possible?

Looking for travel insurance but my travel companion recently had an issue and wants us to be covered.

1. Sat waiting for flight to New York at Gatwick, Norweigan cancel in bound flight.

2. After checking into hotel she calls Norweigan who offer a return flight via Oslo or a refund.

3. The return flight isn't convenient so she takes the refund and books a flight back with BA at a much higher cost.

Norweigan and travel insurance say the cost of the BA flight is nothing to do with them.

Now we're off to USA in December and want to be covered to prevent this and I can't find any policies that would? Is it possible?

Thanks
Keith

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