Coverage regarding the pandemic and Covid:

We have been advised by the insurance company that the coverage for Coronavirus is only if the covered member, traveling companion, or family member contract the coronavirus and is quarantined and it disrupts the stay dates. (Policy definition of Quarantine "Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease.
An embargo preventing You from entering a country is not a Quarantine.") The standard travel insurance does NOT cover beach closure, event cancellation, government mandates, travel bans, or the fear of travel due to the pandemic.

If you are a US resident and eligible for CFAR, Cancel For Any Reason, you may cancel 48 hours or more from arrival under the CFAR policy for a 60% reimbursement.