You would have to ask that question of your travel insurance company since only an insurance adjuster/examiner can provide an accurate answer for it. I've not heard of this situation coming up before and whether it would be covered or not is something only they can answer.
If you happen to purchase the 'cancel for any reason' policy, at least you'd get most of your money back, but those policies are alot more expensive.
I once had a Federal judge refused because he was on the no-fly list and you can imagine the uproar over that one!
Unfortunately, anything anyone on this forum can provide would be pure speculation since this is a very specific question that may vary based on the insurance company and the individual policy purchased.
Best advice is to talk directly with your insurance company since each company could be different.
Travel Agent/Cruise Specialist w/12 yrs exp and 47 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!