I am going to Switzerland week for a week starting 4/4. My fear is similar to yours -- I'm not worried about getting sick per se, but mildly concerned about getting detained / quarantined, etc.
I'm not letting any of this, however, deter me from continuing w/my trip and my vacation. I am a cost-benefit analysis kind of person. Right now, the benefits far outweigh the possible costs.
A cruise would give me pause b/c I would seriously go out of my mind trapped on a cruise ship.
I sure agree on the cruise, I have never gone on one and have no desire to. It would drive me nuts even without being trapped.
I have been "stuck" in a foreign country once before, during 9/11. I was in Cabo San Lucas. Not the same though in any way. I didn't feel stuck since they let us stay until we could go back to the US. That part was great, nice place to get "stuck". However, the news was awful of course.
If I got stuck in Kauai end of March/April, barring for me or DW being sick reasons, I can think of worse things. But, no family back home, no job, etc. so not a big deal the way I look at it.
I'm with JimInNC on the numbers at present, subject to change of course as time goes on. And I would add one thing to that... I wonder how many of those that got sick actually took the (now) recommended precautions? I'd be interested to see if that makes much of a difference, I suspect it does. So, if your chance of being infected in China currently is .01% (assuming his numbers are correct), apply the 4% death rate over there, and, now you (currently) have .0004% chance of dying, i.e. 1 in 250,000. Realizing that the numbers change all the time and that's not totally fair per se as far as the computation. It is quite possible those numbers skyrocket over time, we'll see. The point is, to have that death rate apply to you, you first have to become sick. Possible? Yes. But currently, you have a 1 in 218,000 chance of getting struck by lightning and killed. But do I want to get the virus? Of course not.
Seems like quite a few of the worst cases are coming from people being stuck somewhere, maybe cruise ship, maybe nursing home, whatever. It may also be true that longevity of exposure is a factor.
I also agree with the wall to wall news coverage, it's no wonder we have some in panic mode, out of toilet paper, etc. Concern is definitely warranted as is prevention where possible. I was in the 8th largest US casino today, and, it was good to see they are taking some steps. I saw them wiping down elevators, doors, escalators, machines, and had put sanitizing solution out all over the place for people to use in dispensers. Probably 100 or more stations. Of course, they are protecting themselves as well.
To the OP, did you charge the flight, MF, whatever to a credit card? Many cards do have insurance. Though I doubt they will pay over cancelling out of concern.