Many travel policies are now offering Covid cover so if you contact it whilst abroad (travelling to anywhere not on a “no travel” list at the foreign office) you will be covered for medical needs and/or repatriation. What isn’t covered at the moment is cancellation of a (new) booking if Covid stops you travelling in the first place. You aren’t also covered of course if you decide not to travel when the FO aren’t saying your destination is off limits.