Not to mention the fact that pricing pandemic insurance is going to be very hard. Insurance companies generally don't like to take risks... they like things tha

Not to mention the fact that pricing pandemic insurance is going to be very hard. Insurance companies generally don't like to take risks... they like things that are highly predictable and can be modeled. The percentage of people aged 40 who will die in a given year is predictable. So are the chances of car accidents by 17 year old female drivers. When the next pandemic will come is anyone's guess though. And lacking a decent way to model a risk like this, the insurance company will inevitably need to charge a high premium to make this a worthwhile product. Meanwhile, consumers will balk at the high premium and not buy the coverage.