I think we have the same deal/rate code booked for our possible trip in August. My understanding of the Disney cancellation/refund policy (at the moment) is that for packages, if you are cancelling within 30 days of check-in, you will be refunded all but your $200 deposit. However if you cancel within 1 day of check-in, you are not eligible for any refund. I'm not clear whether "within 1 day" means... the day you were supposed to check in, or the day before you were supposed to check in, or something else, but I'm sure that could be cleared up quickly by giving Disney a call.
I think the cancellation policy is slightly different for a room-only reservation, so it might depend on what you have booked.
I found good trip cancellation/interruption insurance through Manulife - it specifically mentions that being diagnosed or testing positive for Covid is a covered condition