Op, my holiday insurance does not cover for cancellation due to the coronavirus pandemic. But it does cover if we got sick whilst abroad, therefore eliminating the need to worry about thousands of pounds worth of hospital treatment. Check your insurance before making any decisions.
For those worrying about going to Disney next year (50th Anniversary), I must warn you that there is no such thing as a quiet day at WDW anymore. My parents have paid for us to go numerous times these past few years and last summer at Disney World was comparable to Christmases I’ve spend there in the past. It was heaving. The trick is not to spend full days at Disney. Head to a park early, leave and go somewhere for lunch, before spending the afternoon by the pool (if it isn’t storming). Alternatively have a pool morning and head to the parks later in the afternoon for evening fast pass and fireworks. A full day at Disney is tiring, busy and takes a little of the fun away.
For people who are advise against going, that’s your choice and I absolutely get it. But comments like ‘don’t forget your coffin’ are ridiculous. For a start, covid-19 is a mild illness for most people (and if you catch it whilst there op, you are more likely to show symptoms when you get back). It’s down to choice and personally I am not looking to put my life on hold for a year or two.
As for Disney not opening fully or not having shows etc, I can’t see it myself. Disney is one big crowd with or without the shows. If they didn’t have crowds or queues, it would be impossible to open. They are more likely to have some form of screening at the gates eg. Temperature checks and handing out masks before you enter.
If you can go and want to go (and can get appropriate insurance), then enjoy.