If you have booked a holiday and have travel insurance and you decide to cancel your holiday, you would not be refunded. You are only covered if the Foreign and Commonwealth Office (FCO) has issued a warning against traveling to a country or advised all but essential travel to that particular country. Your travel insurance policy does not cover you if you decide to no longer travel.
As soon as you book your trip it is best to purchase travel insurance so if something happens before you travel, you are covered. For example, if you have booked a holiday for this year and you have travel insurance, and the Foreign and Commonwealth office issues a warning against travel to your destination, you would not have to worry because you are covered. If, however, you delay getting travel insurance for your trip and a warning has been issued about traveling to that country then you are not covered.
So far, the FCO has advised against all travel to Hubei Province in China because of the ongoing coronavirus outbreak. They have also issued all-but-essential travel for mainland China.
It is important therefore that if you have a holiday booked and you don’t have travel insurance get it right away. Also, make sure whenever you book a holiday in the future you always get travel insurance as soon as you book so you would not lose out.
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