This type of event is usually not covered across the travel insurance industry for cancellation. This is because most policies have specific reasons for cancellation and the "fear of an epidemic, pandemic, infection or allergic reaction" is not one of those reasons.
We would advise travellers who have booked package holidays to a destination affected by the viral outbreak, and looking to cancel their trip or amend their travel plans, to contact their travel agent or tour operator in the first instance.
If you have booked component parts of your holiday independently we suggest you contact each of these companies with whom you've made arrangements with to question your cancellation and refund rights.
If you are not able to amend your trip and have a medical justification and supporting documentation for having to cancel, we would be happy to discuss your situation on a case-by-case basis.
Our policies do not cover any costs in respect of cancellation or Curtailment of a trip due to the Travel Advice Unit of the Foreign and Commonwealth Office advising against all travel to, or all but essential travel to, the country or area you were planning on travelling to.
In these circumstances you should contact your airline or tour operator to discuss your cancellation and refund rights or to make alternate arrangements.
Our policies also do not cover costs in respect of cancellation or curtailment due to Fear of infection or Pandemic in an area where you are still able to travel to.