The flights are booked - have been for a few months so really just waiting to see what happens re cancellations . I have accommodation booked as well but they have flexibility generally and are happy to cancel based upon Air NZ approach i.e if I can't make it due to airline then they will happily refund the deposits. . Agree Kiwi Flyer- the insurance exclusions and USA medical costs etc aren't palatable.
Cheers all. Some good points.