I have an employee who was scheduled to travel with his wife to the Galapogos via Ecuador. Happy news of pregnancy after travel was booked. Ecuador has reported cases of Zika, but Galapogos does not. With a bit of pushing, their airline was refunded their full itinerary. No travel insurance claim required for the airline. Their lodging had a waiting list, so they had a small rebooking fee. Out of pocket was less than travel insurance would have been. They are going to Seattle instead to avoid mosquitoes.

Cheers, RickG