I'm going to say something that might be wildly unpopular. I don't think any company should really do anything unless local governments restrict them from operating.
If I am genuinely concerned about my family's safety then I'm going to cancel regardless if there is a refund or not. If you're only going to cancel if you get a refund then you've already established that you're not really that concerned.
There are times when I purchase travel insurance and there are times when I don't. I am fully aware, though that it is my responsibility and my responsibility alone to bear the burden of the risks I assume when I choose not to purchase insurance. I don't ask organizations to pay my premiums when I end up not using my insurance and I don't ask organizations to pay for my expenses when I've chosen not to pay premiums to cover such events.
If I am genuinely concerned about my family's safety then I'm going to cancel regardless if there is a refund or not. If you're only going to cancel if you get a refund then you've already established that you're not really that concerned.
There are times when I purchase travel insurance and there are times when I don't. I am fully aware, though that it is my responsibility and my responsibility alone to bear the burden of the risks I assume when I choose not to purchase insurance. I don't ask organizations to pay my premiums when I end up not using my insurance and I don't ask organizations to pay for my expenses when I've chosen not to pay premiums to cover such events.