This is what I was getting at in a previous post. For many years I have self-insured--that is, borne all the financial risk--for most travel risks, including so-called Trip Interruption--because I felt I had an rough intuitive grasp of how "low" the probability of me getting stuck somewhere was and the costs I might have to bear. But for Covid, especially the more transmissible (how much more?!) variant(s), I just don't feel I have a reasonable grasp of the risk. Before the rise of Delta, experts told us (at least as I recall it) that the likelihood of transmission while walking past people on a sidewalk was so low that we didn't need to be concerned about it. Same for open-air dining with well-spaced tables. Now, they are saying Delta is much more transmissible, but I haven't heard any similar real-world examples, such as walking past people on a sidewalk or dining outside. So I don't know how to judge the new probabilities. As for the costs, an unexpected night in a hotel and dinner is one thing, but 10 days at whatever resort on Bonaire might be willing to put up quarantiners is another. Pre-covid, paying $100 for mainly a Trip Interruption benefit didn't seem worthwhile to me. Now?
I'm fairly confident that being vaxed, I wouldn't have any serious symptoms if I were to test positive. But, as I understand it, even vaxed people can contract enough virus to test positive.