USA says stay home / any way to get a refund

When did you book this trip?

Myanmar is level 4, too. ymmv.
the CDC recommendation is just that, a recommendation.

Unfortunately this is not the time to ask the question. Should have asked when you purchased the insurance. It is all in the fine print --- what does it say? Some insurance has excluded cancellations caused by covid or govt action. Getting your money back is solely dependent on the terms of your insurance policy. Nothing is universal.

Call the insurance company and speak to someone. It really depends on your policy. If fear is not covered then you won't get much back that isn't cancellabale.

Cancel what you can and then try to get credit for what is not cancellable. However, as you stated, fear and the government raising the threat level is not a reason for cancellation.

By the way, the rate of Covid per 100,000 is less in Ireland than in the USA.

for those hotels, flights and other things that you have already bought, what do the terms and conditions say on each? That's the only way you will know...

I'm sure in these uncertain times you would have bought only fully-refundable...

But many fully refundable excluded large scale disasters. Most fully refundable for anything do have some exclusions.

Are you referring to getting a return/refund of the insurance premium, or of all the other reservations? ( air, lodging, etc.)

You will not get refund of premium because you paid for that service.

This may not be helpful to you, since each person must decide his/her own comfort level: I traveled to Egypt in May-June when State Dept rated it as "Do Not Travel," due to Covid & security risks. We were vaxxed & masked & all service providers were masked. We were tested flying over & returning. We had no problems. Whatever your plans, good luck!

I have a friend who just returned from visiting her parents near Kilkenny. She had no problems and said that everyone is wearing masks there as opposed to here where it's spotty. Vaccination is required for entry and you can download an app to upload your info for the airline, I think it's the Verifly app used by Aer Lingus and other IAG airlines plus American. You do have to take a covid test before re-entering the US.

Just returned home from Ireland. We had no problems. We had to wear a mask indoors and show our CDC Vaccination card anytime we went indoors. The are very strict about it. We also had to give a name and phone number for contact tracing at every pub or restaurant. I felt more safe there than I do at home. Although I was not required to, I took at COVID test about 4 days prior to flying over to Ireland. We traveled safe, followed the rules and had a negative test for returning to the US.

Only you can determine your comfort level while traveling during the present time. Stay safe no matter what you decide.