Is my reading of the T&C correct that if I book a flight from ORD to BKK RT and I test positive (a) before the departure from US then they will cover the cancellation of nonrefunable ticked; and (b) if I test positive on the return leg from BKK and I cannot travel back to US they will cover both the cost of rescheduling of the ticket (usually very high given the fare differences in business class) and the additional cost of hotel. In both cases of course up to 10K per person as per T&C. I have both Hilton and Marriott Amex so I can charge to either but I guess both have the same coverage.