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that doesn't exclude coronavirus. if you booked your travel after your insurer's cut-off date, or if your policy has exclusions for pandemics and epidemics, it's unlikely you'll be covered for any events relating to coronavirus, including medical expenses, change of travel plans, and a variety of other
"you have to use it no later than hours before your departure date, meaning if you are within hours of departure, you can no longer cancel your trip," sandberg says. if you find out that your flight is being canceled due to an outbreak a week ahead of time, though, you'd be able to make use of the plan...
https://www.tripsavvy.com/coronavirus-travel-insurance-4799308