I have a trip planned to Maui next month.
I booked the hotels with Hyatt points and used my Hyatt card to hold the reservation.

I’d like to know what coverage options are for the following scenarios.

Someone in our traveling party tests covid positive within 3 days of travel. I would be past cancellation window of all properties at that point. Will the chase trip cancellation coverage cover the cancel fees. My understanding is that this would be a covered reason.

What if hawaii introduces a bunch of new travel restrictions which effectively closes border to tourism. Assume hotels are still open but we can’t make it there. Would chase cover cancel fees? I am unclear on if this is a covered reason.