This type of event is usually not covered across the travel insurance industry for cutting short a trip and therefore not covered under our insurance policies. This is because most policies have specific reasons for cutting short your trip and the "fear of an epidemic, pandemic, infection or allergic reaction" is not one of those reasons.
We would advise travelers who have booked package holidays to a destination affected by the viral outbreak and looking to cut your trip short, they should contact their travel agent or tour operator for information on availability of flights in the first instance.
If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering return tickets where possible, or booking onto an alternative commercial flight or mode of transport. Claims for independent traveler's additional expenses in returning home earlier than planned, where medically justified, will be assessed on a case-by-case basis.
Where your claim is for any other reason there is no cover under our policies.