Last year in early March before we departed Barcelona for the US, we arranged for an apartment for January through March of 2021. We also purchased travel insurance. Due to COVID, we had to cancel and the trip, but the apartment owner refunded our deposit in full, so I never made a claim. We have now booked an apartment for this winter (December 2021-February 2022) in Barcelona. When I went to the Travel Insured website to look at information prior to purchasing coverage, I found a COVID policy that allowed changing the dates of a policy for a trip cancelled due to COVID. I called Travel Insured today and was able to convert the policy for this winter to one for next winter. The only additional charge was for the extra days because we'll be gone longer in the new trip. Happy surprise! I thought the money I had paid for insurance for this winter was just lost.