As axo said, if you head out on a bike trip during a pandemic, you sure as heck would want to know the latest up to date fine print of your health insurance.
Assessing risk in life, just as on a bike trip, is important, and especially during a unique period of history that could have serious life long affecting monetary implications as you are American.
And this isn't even touching on the responsible topic of travelling and potentially adding to the woes of health care workers.