As a useful example, from Emirates' travel insurance provider (AIG in South Africa):
Kind of hoping i don't need to use that in November..
E.5. – Catastrophe Cover
What you are covered for under the section
We will pay up to the amount shown in the table of benefits if after you have commenced your
trip you pay or agree to pay overseas for travel expenses and providing other similar
accommodation to allow you to continue with your trip if you cannot live in your booked
accommodation because of fire, flood, earthquake, storm, hurricane, tornado, rain, wind,
weather conditions, lightening, explosion, outbreak of infectious diseases, volcanic eruption,
tsunami, rockslide, landslide and avalanche