Crowe wrote:
"RV Travel Insurance"....sounds like a sucker move.
No, it isn't. While I agree if at all possible book a campground that has a liberal cancellation policy that's not always an option.
To answer you question: If you get ill then any insurance policy should cover it. Some are now covering for COVID related closures, bans, etc. I would check with Allianz about a policy. There are varying options at varying rates.
The amount of a policy could be well less than penalties for multiple cancellations. The peace of mind can be well worth it. Remember these policies cover you from the time you purchase the policy through the entire vacation. Don't let the naysayers discourage you from at least looking into it. Your money, your decision, not subject to the scorn or comment of others.
Fact is winners do not keep the casino lights on. You want to bet your trip gets messed up, want them to bet it don't. If the companies did not expect to win they would not offer the policy.