I dare say that's the case for most insurers in that situation unfortunately. At least with a cancelled trip based on government advice it's a little more black and white then a spider bite which can't be 'proven', as ridiculous as your situation sounds.Hate to tell you but with Budget Direct you are screwed.
In Vegas, While I was asleep I got bitten on the face by a spider and incurred over $2500 in medical bills that they refused to insure because I couldn’t “PROVE” it was a spider and not self inflicted
No joke





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I’ll wear a bloody mask I don’t care, but in my opinion, I think the season will be interrupted and possibly even cancelled