My insurance policy says it will not pay out for:
Those illnesses and their consequences, and Consequences of accidents and deaths caused by foreseeable acts of war or civil unrest or through active participation in warfare caused or civil disturbance Are considered predictable war or internal
It goes on to say:
Unrest in particular when the Foreign Office at the time of the trip begins or staying abroad before traveling to each country or region warns advises against or by them. There is a corresponding Travel warning from the Foreign Office during the stay abroad, so does insurance cover in becoming aware of the travel warning but only so long as no fault of Possibility of the country or the respective Leaving region.
If that does not read too well it is because the actual policy is in German and this is a translation from an internet program.
The "Foreign Office", I presume, is the German Foreign Office but I have to wonder about the words "in particular". That would seem to me to mean that the insurance company can refuse to pay even if the Foreign Office issued no warning.
Incidentally, a few years ago when there were a number of tourists who rented car being carjacked in the Miami area, the German Foreign Office put out a travel warning for all of South Florida.