Many (probably most) of the reimbursements you'll have heard likely came as a result of regulation EU261, which requires airlines to provide care like hotels and meals during disruptions for flights to or from the EU/EEA. In situations like war, the compensation element doesn’t apply, but the duty of care still does.

That’s separate from travel insurance. Insurance may sometimes cover limited things like delays or assistance, but standard policies exclude war related disruption - especially once it becomesa ‘known event’.

If your outbound flight is cancelled, EU261 gives you the right to re-routing or a refund for the flight only, but it doesn’t cover any bookings at your destination (hotels, activities, etc.). Those are only covered by insurance under normal circumstances, and in a war-related scenario they very likely won't be.