Yes. You should always take out comprehensive travel and medical insurance as soon as you book.
This should cover you for the activities you are undertaking and any care you require as a result of injury, including all expenses for testing, treatment or self-isolation due to Covid-19.
If your local host does need to cancel your trip due to Covid-19, as reported by
Which? Travel, we are doing right by customers and offering you the option to move to a new date, convert your booking to account credit, or receive a full refund (within 14 days), unlike many other travel companies. For more information see what happens if my trip is cancelled?