The travel cancellation insurance does not apply.
Even if this condition is missing in an insurance contract: The insurance will only cover your cancellation costs if the trip is not started due to an unexpected illness or death. If you book a trip for May in March and then get Corona or are in quarantine, the question is whether this was really unexpected. That would then have to be clarified by the courts. According to the most consumer-friendly interpretation, this would be an unexpected illness.
The federal government’s general travel warning for trips abroad still applies until April 30. The insurance does not apply. So do holidaymakers who have been prevented remain on the cancellation costs?
To clarify: If there is a travel warning, this is a “strong indication” that the trip is considerably more difficult and a free cancellation is possible. In practice, most operators say all trips until April 30th. already starting. Then you don’t need insurance.