Cancellation
No insurance policy covers your costs if you unilaterally decide to cancel your holiday; this remains the case even if you believe there is very reasonable cause for you to do so.
However, Covid-19 has brought a whole new dimension to the risks of having to cancel or change your holiday. And we don’t yet know which scenarios are likely to be a risk in future. There are obvious ones, such as contracting the disease prior to departure (or testing positive) and a requirement to self isolate because of exposure to someone who has the disease. Some policies do now cover this – see table – though all are subject to strict definitions.