Here’s what was written in the Toronto Star this morning:
"Normally, the best way to protect yourself from unexpected cancellations would be to purchase trip cancellation insurance. But many companies offering travel insurance say they won’t cover claims relating to the pandemic.
Canadian insurance providers Manulife and TuGo will no longer reimburse new customers who cancel over coronavirus concerns. Both companies say that since COVID-19 is a “known issue,” it is no longer considered an unexpected circumstance. Other insurers, such as Global Allianz, have exclusions that void coverage for claims due to pandemics.
You should ask before buying any trip cancellation insurance to make sure it will actually cover you for any COVID-19 related claims."
There are more cases of COVID-19 in the USA than in Canada, so I am pretty sure it’s the same policy in the USA.