Answer:

As long as the policy certificate does not have an exclusion for Pandemics/Epidemics and there are no click-through agreements on the buy page asking you to agree that you will not be covered for Covid, you can be covered as if you were diagnosed with any other unforeseen illness causing a cancellation or interruption of the trip, or if you were required to seek medical attention during the trip. Please keep in mind that a fear of traveling, government travel restrictions, or stay at home orders are not covered with Trip Cancellation. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Anything not listed would require the additional “Cancel For Any Reason” benefit in order to be covered.