Looking at this subject with regard to Chase Sapphire Reserve, I found the following on ThePointsGuy.com:
Various Chase credit cards offer trip cancellation and interruption protection, including the Chase Sapphire Reserve and Chase Sapphire Preferred. To get coverage on these cards, you must charge all or a portion of the trip to your credit card account and/or the rewards program associated with the account.
The trip cancellation and trip interruption benefit provided by both cards may provide reimbursement for eligible travel expenses charged to the cardholder’s account up to $10,000 per covered person and up to $20,000 per trip if a loss results in cancellation or interruption of the travel arrangements. The benefit provided by both cards explicitly covers “quarantine of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons” but explicitly excludes “your disinclination to travel due to an epidemic or pandemic.”
So, you won’t be covered by Chase credit cards if you decide not to travel because of an epidemic or pandemic.
For what it's worth.....