Originally Posted by alan11

Actually, a business traveler to Japan on FT described his quarantine in Yokohama a couple months ago. Not really 'gruesome" but certainly not fun. Had to change his flights and arrange the quarantine via his company sponsor.
Fortunately the government paid for his quarantine, food, transport, etc but with tourists the government is pretty clear they won't cover any such bills. Hence the need for insurance... and hence the issue of wondering if insurance will actually cover such a claim if one is not traveling "by the book".