I am rallying behind most businesses right now, but when someone has an insurance policy, and adds clauses like that as "get out of jail free cards" I don't appreciate that. Pandemics are a basic thing to mention in an insurance policy so I don't believe for a moment it was not purposeful that they didn't specifically choose not to exclude them. Feels more like to me they wanted to include them, until they were inconvenient and not on the same level as the bird flu, but an actual pandemic, and so they had a get out of jail button to push. Insurance policies are something people rely on when they are at their most vulnerable, it's not nice.