How could you possibly write a policy to cover this? “My cat died. Can I get a refund?”

Every time there is a major flood or natural disaster our governments step up and offer compensation to the victims. But if you read closely, they only compensate for uninsurable losses. If the loss is insurable and you didn’t purchase the coverage you’re on your own. Tough break for the person here, but I don’t see it being any different. (Especially since I buy a multi-trip cancelation policy every year.)