We have to refer to https://members.medexassist.com/Default.aspx to see what risk is at the destination so if something happens we are or aren't covered by insurance. Such alerts do end up in risk assessments. Tour operators also have to offer cancellation free of charge is a foreign office downgrades the current situation at a destination. Thomas Cook suffered big time when Egypt was downgraded that way, even though place like SSH were open as before.