Travel insurance does not cover choosing not to fly in advance; read the policy to see what few things they cover.
If you want to go, then just go. This scary bug is also known as a flu bug. The reactions of the MSM and our blessed government are to keep you upside-down.
While there, stay to well-known places, hire a guide, and do not speak your mind about anything. You will have a good time.
Take hand-wipes and use them in airports and enroute. Buy liquid sanitizer once on the ground. Use them frequently and wash your hands at every opportunity. Avoid touching your face. In other words, be sanitary. Don’t shake hands, just nod politely.
Forget the handwipes. Use DAWN Dishwashing soap.
My policy does have that option, because I paid a premium price for it,
Your suggestions are very fuzzy given what we have seen happen to tour groups where one person on a plane, bus, or in a hotel, develops symptoms. In fact at least 2 hotels in Tenerife are now on lockdown for 14 days because of single travelers showing symptoms. Within 3 weeks even EU countries could be closing borders to each other.
Travel internationally within 3 weeks?
No way.