I called a few insurers today and most of them exclude all or most Covid related losses. My main concern is trip cancelation due to government flight bans. Especially for my trip, I am stopping in another country for a week before going to Canada. If flight is banned to my first destination, then my connecting flights are all missed.
Friendly advice, do not trust the travel policy jackets. They have changed the wording slightly to protect themselves. For example, AIG did not mention anything related to pandemics/infectious diseases/covid/etc on their policy jacket, however, they put a "notice" on their website as a T&C. In my view, they are liable to clearly define their coverage in their contract between insured and the insurance company. Unethical shit company. I used to work for them lmao.