I'm not exactly a snowbird, but I made the decision to head down next month for a week. Haven't been to our condo since last October. I normally fly out of Buffalo, or drive, but it looks like those options are off the table until at least next year. I booked a flight out of Toronto and added a general insurance package for $37, although it's not specific to Coronavirus. If I were down for a longer stay, I'd be more inclined to ensure I had complete coverage.
It's been too long away, and I don't see the main stream media easing up the fear-mongering any time soon. Should be an interesting trip.