refunds – Refused flight / hotel etc. due to Covid suspicion

I expect that flights, hotels, ferries, cruise ships etc. will make tests that you have no Covid-19 symptoms in the future and refuse you if you have any symptoms.

In that situation, do you have rights to a refund, or vouchers, or would your travel insurance have to pay, or is this just pure bad luck and you lose your money?

I’m personally interested about travel from and within the UK, but others will want to know the same thing for different locations.