Yeah I pay $300 or so for trip insurance every time I book one of these big international trips. The only time before this that I had to cancel a trip was my 2020 trip to Poland, Belarus, and Ukraine and the insurance policy I bought in 2019 definitely didn't cover COVID so I made no claims and ate the non-refundable costs. I'm lucky that so much of my Paris/Brussels trip was refundable, including the flight there and all hotels. I am filing a claim for my flight back from Paris to Dulles, for my tickets to the Louvre and Versailles, and for our New Year's Eve cruise on the Seine.
I got 180,000 MileagePlus miles back from United and already blew them on new trip. Gonna take the entire family to Zurich in August. Last time I flew to Zurich there was a literal wallet inspector randomly checking passengers for undeclared cash as they boarded. Guess that's a problem on those flights.