Travel Insurance Implications Following the Coronavirus Outbreak


There have now been over 80,000 cases of coronavirus – also known as Covid-19 – around the globe, and sadly more than 2,500 deaths. And while the vast majority of cases so far have been in mainland China, the World Health Organisation says the majority of new cases are now being seen outside China, with Italy, South Korea and Iran particularly affected.

Foreign & Commonwealth Office (FCO) travel advice

The FCO is currently advising against all travel to Hubei Province, and against all but essential travel to the rest of mainland China.
See the latest travel advice for China.

FCO is also advising against all but essential travel to:

• the cities of Daegu and Cheongdo in South Korea
• ten small towns in the Lombardy region and one in the Veneto region of Italy

See the latest travel advice for South Korea and Italy .

Travel Insurance Q&A

The ABI has produced this Q&A on what you need to know on the travel insurance implications following this outbreak.

• Anyone travelling to a country or region against government advice risks invalidating their travel insurance.
• If you make alternative travel plans, then you may be able to transfer your travel insurance to cover your new destination.
• If you took out your business or personal travel insurance policy before the Coronavirus outbreak and the FCO now advises against travel to your destination, then the cancellation should be covered by your travel policy.
• If you plan a trip now to a country where it has been publicised that there is an outbreak, it is unlikely to be covered by insurance.
• If you have made the choice not to travel but the FCO hasn’t given advice not to travel to your destination, this will not be covered.

Read the full ABI Q&A

Track the outbreak of the Coronavirus here.

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