Comprehensive travel insurance company/considerations?

[Acadie]

We're about to book the most expensive portion of a trip to Ireland next summer, our time in Dublin and Galway. We'll be a group of 12 extended family members and I'm wondering with the possibilities of someone testing positive before travel or a new variant if we should look into comprehensive travel insurance.

We have gotten a quote for limited insurance from Tripmate, but the exclusions are extensive and I'd love suggestions for a company that covers cancellation for any reason. Depending on cost we might consider this just for my ILs, who are in their late 70s, or for everyone. 

Flights were booked in August and those tickets are changeable. Not sure if we should try to find a policy that would cover flights booked that far back, or just call it good for flights and insure the other stuff.

Would love to hear from anyone who has used travel insurance before and especially any experiences with pandemic travel complications and insurance. 

[Murphy101]

Call AAA?

check with your bank or credit card to see what insurance they offer. 

I wouldn’t fly anywhere right now without total refund coverage plus some.  I know way way too many people who have had trips cut short or trips extended because of airline and or covid  issues.  I would also add a very significant amount of money to my emergency fund just in case I found myself in a gap where I need funds but have not gotten anything from insurance yet.