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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 things.
"travel insurance plans, like many kinds of insurance plans, are what is known as a 'named peril plan,' meaning that they cover only things listed in the policy," explains stan sandberg, co-founder of travelinsurance.com ....
https://www.tripsavvy.com/coronavirus-travel-insurance-4799308