Trip Cancellation Insurance vs Trip Cancellation Insurance:
As many of you are now finding out the standard "Trip Cancellation Insurance" is NOT Trip Cancellation Insurance FOR ANY REASON. For the latter it costs you about 30% more in premiums. Approximately this 21 January, the Coronavirus became what is know in Insurance as a "Known Event." This means that you can't cancel because you are afraid of getting sick, quaranteened, etc because of it with Standard Insurance. But, I digress.
Although we cancelled our May Ireland trip precisely because of fear and ramifications of the virus, our Travel Insurance company Arch Roam right credited our pre-paid premium for our cancelled trip for 1 year. We had standard Trip Cancellation coverage, so they will not cover any loss of cancelling (I only lost 50 Euros in tour deposits which I may get back from my Credit card anyway).
We are age 71 with pre-existing conditions. I definitely recommend Arch Roamright for elderly and/or disbled or those with pre-existing conditions. When you meet very easy conditions, you get a pre-existing standard exclusion WAIVER. To get this there are 2 conditions 1) Purchase policy within so many days of booking at least part of your trip; and 2) you must insure the entire cost of your trip. Estimate and adjust later when you know more. That's it. Young/healthy folks don;'t have to think of this stuff. We do.