It has always been our very, very strong recommendation to take out travel insurance.
Some “soft adventure” companies have long made it mandatory; we have not wished to be dictatorial on this before, but now during these uncertain Covid times, that it would be foolish for everyone concerned NOT to have a comprehensive policy in place.
The best coverage add-on for potential Covid issues is “Cancel For Any Reason”. It does mean literally that – because you had a bad week at work, or you broke a fingernail. But you must take this out very soon after paying your first deposit – between 7-21 days (policy dependent). Please be sure to read all the small print; policies can differ widely.