So looking at the Wiki, it sounds like none of the trip delay/cancellation/interruption would cover anything involving Covid.
For instance, you test negative before you have to return from your trip overseas and you have to quatrain for a week or 10 days.
The Wiki refers to prepaid expenses, no NEW expenses.
(I assume you mean "test positive" i.e. have Covid.)
The Trip Cancellation/Interruption coverage is not meant to cover new expenses you incur because you got sick. There is other insurance that does that, but this insurance does not. It's not some "Covid loophole", it's just not meant to cover that.
It's meant to "protect" a purchase you make in case you can't go on your trip or have to cut it short.
Imagine you live in the USA and you have a big trip to Europe. You fly to Paris, then you have train tickets to Vienna, and you've booked a rental car to go explore Austria with some cute hotels booked, then you have plane tickets home from Vienna. In Paris you test positive for Covid and have to cancel you trip to Austria. This insurance will refund your train tickets, your pre-booked rental car, all of those hotels, and pay the change fee to change your flight home to be from Paris. It will
not pay for your quarantine hotel + meals in Paris, or higher airfare home from Paris.
It basically makes non-refundable things refundable, and you can spend that money elsewhere. It doesn't give you new money to do new things.