What I heard, insurance coverage played the big role. Seems like, in US, insurance companies are able to find exclusions for this scenario on foreign land. This

What I heard, insurance coverage played the big role. Seems like, in US, insurance companies are able to find exclusions for this scenario on foreign land. This is the text shared by one: "..Your travel & health insurance could contain exclusions to pandemics since the regional insurance industries can't measure the amount of risk. The insurer might defer to apply broader exclusions...."