I attended the insurance coverage by Gowrie today at the USVI yacht show. Virtually but hey...

Here is the info I got from the presentation:
Travel Insurance

Traditional Travel Insurance does NOT cover COVID!

CFAR does. You receive 75% of the amount you cover back. YOU must buy this insurance within 10 days of your first deposit
It costs 8-15% of the amount. It does depend on the value, length of trip, and age though.

Medical Evacuation Insurance is inexpensive. Buy it. Family of 4. $60.00 Traditional insurance does not cover this.

Travel Insurance costs 2-10% of the trip but does not cover COVID

Travel Interruption will cover it in the middle of a trip NOT before.