This depends on what policy you have, when you bought the policy, when you booked your trip, what action you have taken to recover your losses, FCO advice at the time of the loss. Most policy wordings are different and certainly all claims are different. This is why insurers consider all claims on their individual merits and subject to the full terms of the policy. There is no one-size-fits-all answer.
Information last updated: 12/08/2020