I am a strong advocate of travel insurance and would not travel outside the US without it, particularly now. But just be sure you are aware that the travel insurance companies have declared Covid-19 a foreseen event. This does significantly impact coverage. From TravelGuard: "...any losses for trip cancellation, trip interruption and/or trip delay caused by or resulting from quarantine due to COVID-19 is not considered “Unforeseen” and will not be covered under the terms and conditions of this insurance policy." They will still cover you it you get sick from COVID-19 and are medically unable to travel before your trip and they will cover Medical Expense and Trip Interruption/Curtailment benefits if you have a confirmed and documented diagnosis during the trip.