Good question! Generally this would be something that I would suggest you speak to your insurers about but it’s not necessarily the case that your policy would cover you. Different insurers are offering different packages when it comes to COVID-related cancellations.
It’s unlikely that you could get a refund from a holiday just because you can’t get there, but it’s possible that if you call up your holiday provider and tell them the problem they might move the package for you, just to keep good relations.