Costa Rica’s policy covered necessary medical care, additional out-of-hospital lodging, and medical evacuation. It only kicks in if you show the symptoms while you are in country. It’s a glorified medical insurance policy.So I am still confused about insuring virus-related problems. I did catch the virus in Wuhan, China November 2019. It was like a bad cold, I missed Hong Kong so I could stay in bed and get better before the flight home. Disappointing, but not dreadful. If I get sick, I have trip insurance. Does "covid insurance" cover expenses if I'm not sick but can't take the trip for some reason "due to Covid"? What kind of expenses would I have incurred that insurance would cover? Sorry to be so dense.
I don’t know any of the details of policies that allow for cancellation; CR’s policy did not provide that option.