kerry--when you say that regular travel insurance doesn't cover Covid, do you mean that it doesn't cover medical expenses associated with Covid, or do you mean that you can't cancel because of Covid and get your money back, because Covid is now deemed 'foreseeable'. That is my understanding regarding that issue. It would cover expenses if you are on island and catch it or are diagnosed, but you can't cancel because of Covid unless you buy cancel for any reason and trip interruption coverage will not apply? And when you are talking about medical evac insurance, are you talking about medical evac insurance that covers evac for Covid ? If so, what company(s) are writing it?