Some policies just explicitly won't cover them. And it's not only the US, I found examples in at least Australia https://www.abc.net.au/news/2020-03-06/coronavi

Some policies just explicitly won't cover them. And it's not only the US, I found examples in at least Australia https://www.abc.net.au/news/2020-03-06/coronavirus-covid-19-travel-insurance-exclusion-confusion/12027638 https://www.abc.net.au/news/2020-03-06/coronavirus-covid-19-... and India https://economictimes.indiatimes.com/wealth/insure/health-insurance/your-health-insurance-policy-might-not-cover-coronavirus-in-these-situations/articleshow/74570246.cms https://economictimes.indiatimes.com/wealth/insure/health-in...