There is a statement on the Holiday Extras website here:
www.holidayextras.co.uk/travel-insurance.html
setting out their position on what is and isn't covered.
It is not as clear as it might be, and should be read in conjunction with the small print of your policy (since it also doesn't distinguish between new and existing policies) .
It is very much like the email I received from my own insurer, and as I said above, I'm not sure how contractually enforceable it all is, unless your original contract gives aligned "wriggle room". (In my own case, small print indicates that cancellation under these sorts of circumstances was never covered - I can/could generally live with that, and even more so in real time as I don't have any active bookings).
In particular, Holiday Extras seem to be distancing themselves from paying out on anything Covid-related in the future, (from the end of the current 30-day FCO advice) except Emergency Medical Treatment (and I think even this would not be covered if travelling against continuing FCO advice)
If you are travelling after 17th April 2020 our policies do not provide cover for cancellation, abandonment or curtailment claims if the FCO advises against all or "all but essential" travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. For more information please read the Policy Wording and FAQs.
Overall, I think the best cover you will get is Medical, and only then if FCO advice doesn't debar whatever trip you've taken.
Given that the FCO is currently advising not to travel on Cruise Ships if over 70 (separate to the more general current 30-day advice), you might want to consider whether that specific advice will stay in place longer than any more general relaxation (and my own guess is even the general relaxation isn't coming soon). if so, then my reading is that HE say you would have absolutely no cover, whether or not you travelled.
My own thoughts would tend to be around not throwing good money after bad! Your mileage (and that of others) may vary.
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