The question -- "Will travel insurance protect me during the coronavirus outbreak?" -- is driving travelers a little crazy during the pandemic.

Will travel insurance protect you during the coronavirus outbreak?

David Klement wants to know if his travel insurance will protect him during the coronavirus outbreak. Specifically, could it get him a full $15,506 refund for his Grand Circle Travel tour of India?

The question — “Will travel insurance protect me during the coronavirus outbreak?” — is driving travelers a little crazy during the pandemic. After all, they bought travel insurance believing it would fully protect them. And by “fully protect,” they mean being made whole if something catastrophic happened.

And then something catastrophic happened.

There are many differences between travel insurance and a vacation waiver. Christopher Benson learned about those differences in a hard way.

Here are the important differences between a vacation waiver and travel insurance

There are many differences between travel insurance and a vacation waiver. Christopher Benson learned about those differences in a hard way.

When Benson and his wife, Betty, planned a trip to Paris, Orbitz offered them a “vacation waiver” option that looked a lot like travel insurance. But when the Bensons tried to invoke the waiver, it didn’t work as they expected. Lufthansa would not refund their tickets from Chicago to Paris.

If your vacation is ruined by a hurricane, will it be covered by trip insurance? The short answer is: sometimes. But in this case, it's more complicated.

If a hurricane ruins my vacation, will trip insurance cover me?

Norman Fitton and his wife paid $2,615 for a vacation rental in Kitty Hawk, N.C., from Sept. 7 to 14. Unfortunately, they had an unexpected visitor: Hurricane Dorian. The storm made landfall at Cape Hatteras, forcing the Fittons to ask: If your vacation is ruined by a hurricane, will it be covered by trip insurance?

The short answer is: sometimes.