Travel insurance generally does not cover cancelling due to fear of illness (pandemic or otherwise.) It would only pay out if a doctor verified that you are personally too ill to travel.
The exception to this is to buy "cancel for any reason" insurance by the prices are outrageous because they need to plan for people who will decide not to travel for no particular reason at all.
Agree.
Insurance will not cover if you change your mind about wanting to go on a cruise or any other vacation.
