College Refunds in 2020 - COVID-19 Protection?

I am a parent of a rising senior at Arizona State (who will apparently offer online, in synch and in person courses) and a freshmen at Cal (who has the dorms open but has told our son that classes will be taught according to the faculty choice of medium).

Unfortunately, neither school have been clear about how they will handle a medical withdrawal if my student gets COVID-19. I couldn’t findThe school refund policy isn’t disclosed at Cal, but ASU says they will provide up to 80% of tuition - but nothing for housing or academic fees.

What is everyone else experience?

Has anyone else had a problem finding their schools refund policy?

I did a google search and found this clip from CBS Dallas https://cbsloc.al/30Ay0s8
on how tuition insurance works. The interview claimed that GradGuard’s tution insurance is providing refunds for students who withdraw due to becoming ill with COVID-19. I haven’t checked the policy yet but will look into it.

Has anyone else used tuition insurance?