Patrick Childress needs help...

I wonder who they had insurance with it is would useful to know who to avoid.

Apparently this is common: Read the small print: some health insurance excludes ‘pandemics’

Most travel insurance plans contain exclusions for known or “foreseen events”, said Kasara Barto, a spokesperson for Squaremouth, an online service that allows travelers to compare insurance options.

A regular insurance policy might not cover a mountaineering accident while climbing Everest, for example.

Also common is the pandemic exclusion, in which the insurer will not pay for a traveler’s medical expenses if they are related to an outbreak such as the coronavirus.
 
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