https://www.siliconvalley.com/2022/12/05/travel-troubleshooter-hey-chase-sapphire-reserve-wheres-my-15194/

DEAR TRAVEL TROUBLESHOOTER: I have a Chase Sapphire Reserve credit card. I got it because of the good reviews I saw online, especially for their cancellation insurance benefit.

We used the card to pay for part of a snorkeling trip to Cuba. My husband tested positive for COVID two days before we were supposed to leave, and we had to cancel. The entire trip was nonrefundable at that point.