If your holiday is cancelled due to the Corona Virus, your first port of call for a refund on any monies paid out is your travel company/air line as they should offer you a refund if they have cancelled your holiday/flight. If you have paid by credit card you should also contact them to try and get your money back.
Once you have exhausted the above options then you can try and make a claim through our travel insurance as long as you are a paid up member. Please note the travel insurance does not cover loss of theme park tickets, shows etc.
If you decide not to travel but your holiday destination is still open you will not be able to claim under the insurance as you have cancelled by personal choice.