{"id":12904,"date":"2020-03-23T14:30:27","date_gmt":"2020-03-23T06:30:27","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=12904"},"modified":"2020-03-23T14:52:46","modified_gmt":"2020-03-23T06:52:46","slug":"travel-insurance-coverage-novel-coronavirus-covid19","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/travel-insurance-coverage-novel-coronavirus-covid19\/","title":{"rendered":"Does Travel Insurance Cover Novel Coronavirus COVID-19?"},"content":{"rendered":"\n

The Novel Coronavirus probably put a kink in your travel plans and you’re wondering if travel insurance even covers this epidemic. We’re going to find out!<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n

From the needless hoarding of supplies to the cancellation of travel plans, this novel coronavirus (COVID-19) outbreak has surely rattled the realities of many Singaporeans.<\/p>\n\n\n\n

COVID-19 Novel Coronavirus Cancellation & Refunds Guide:
#1: Does Travel Insurance Cover Novel Coronavirus COVID-19?
#2: Do Airlines Refund Flight Cancellations for Coronavirus COVID-19?<\/span><\/a>
#3: COVID-19 Hotel Refunds & Cancellations Guide<\/span><\/a><\/strong><\/p>\n\n\n\n

If your reality was to travel during this period, you have two choices \u2013 continue or cancel<\/strong> \u2013 both of which are at the mercy of your travel insurance providers to approve or reject.<\/p>\n\n\n\n

Don’t you just wish your insurance policies were a little clearer on this whole novel coronavirus (COVID-19) situation? I know I do, and that’s why I’ve taken it upon myself to lay it out clearly for you.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Will My Travel Insurance Cover Me for the Novel Coronavirus (COVID-19) Epidemic if I Cancel My Trip?<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n

It mainly depends on two factors:<\/p>\n\n\n\n

  1. Your specific destination \ud83c\udf0e<\/li>
  2. Date of travel insurance policy purchase \ud83d\udcc6<\/li><\/ol>\n\n\n\n

    If you’re looking to cancel your trip due to the novel coronavirus (COVID-19)<\/strong>, here’s a summary of popular travel insurance providers’ coverage:<\/p>\n\n\n\n
    Insurance <\/strong>
    Provider<\/strong><\/td>    		To Wuhan, Mainland China & South Korea<\/strong><\/span>
    <\/td>    		To Rest of the World<\/strong>
    <\/td><\/tr>
    AIA<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan (Wuhan), 27 Jan (Mainland China), 23 Feb (South Korea, Daegu city and Cheongdo county only)<\/em><\/td>    		\u2705 Yes
    Policies bought before 12 Mar<\/em><\/td><\/tr>
    AIG<\/span>\ufeff<\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan (Wuhan) & 27 Jan (Mainland China)<\/em><\/td>    		\u2705 Yes
    Policies bought before 30 Jan<\/em><\/td><\/tr>
    Allianz<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan<\/em><\/td>    		\u2705 Yes
    Policies bought before 22 Jan<\/em><\/td><\/tr>
    Aviva<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 20 Jan<\/em><\/td>    		\u2705 Yes
    Policies bought before 20 Jan<\/em><\/td><\/tr>
    AXA<\/span>\ufeff<\/a><\/td>\u2705 Yes
    Policies bought before 11 Jan (Wuhan), 27 Jan (Mainland China),<\/em>
    23 Feb (South Korea, Daegu city and Cheongdo county only)<\/em><\/td>    		\u26d4\ufe0f Unspecified<\/td><\/tr>
    \ufeffChubb<\/span><\/a><\/td>\u26d4\ufe0f No
    <\/td>    		\u26d4\ufe0f No<\/td><\/tr>
    Etiqa<\/span>\ufeff<\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan (Wuhan) & 27 Jan (Mainland China)<\/em>
    <\/td>    		\u26d4\ufe0f No<\/td><\/tr>
    FWD<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 23 Jan<\/em>
    <\/td>    		\u2705 Yes
    Policies bought before 31 Jan + MFA issued travel advisory against your destination<\/em>
    <\/td><\/tr>
    Great
    Eastern<\/span><\/a><\/td>    		\u2705 Yes
    Policies bought before 24 Jan, 9.30am (Wuhan & Hubei) & 28 Jan, 11.59pm (Mainland China)<\/em><\/td>    		\u2705 Yes
    Policies bought before 24 Jan, 9.30am<\/em><\/td><\/tr>
    Hong Leong Assurance<\/span><\/a> <\/td>\u2705 Yes
    Policies bought before 23 Jan (Wuhan & Mainland China)<\/em>
    <\/td>    		\u2705 Yes
    Policies bought before 12 Mar\ufeff<\/em>
    <\/td><\/tr>
    MSIG<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan (Wuhan), 23 Jan (Hubei), 27 Jan (Mainland China), 23 Feb (South Korea, Daegu city and Cheongdo county only)<\/em><\/td>    		\u2705 Yes
    Policies bought before 27 Jan<\/em>
    <\/td><\/tr>
    NTUC<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 20 Jan, 8pm (Wuhan) & 27 Jan, 7pm (Mainland China), 23 Feb, 6pm (South Korea, Daegu city and Cheongdo county only), 4 Mar, 9am (Rest of South Korea, Iran, Northern Italy & Japan)<\/em><\/td>    		\u26d4\ufe0f Unspecified<\/td><\/tr>
    Sompo<\/span><\/a><\/td>\u2705 Yes
    Policies bought before 22 Jan, 8pm (Wuhan & Hubei) & 27 Jan, 7pm (Mainland China)<\/em>
    <\/td>    		\u26d4\ufe0f No
    (Unless you contract COVID-19 and unable to travel)<\/em><\/td><\/tr>
    Tokio
    Marine<\/span><\/a><\/td>    		\u2705 Yes
    Policies bought before 11 Jan<\/em><\/td>    		\u2705 Yes
    Policies bought before 11 Jan<\/em><\/td><\/tr><\/tbody><\/table>\n\n\n\n

    Note: Travel insurance providers are constantly updating their policy wordings and notices as the situation continues to develop. If you spot any outdated information, kindly reach us at <\/strong><\/sub>editorial@you.co<\/strong><\/sub><\/span><\/a>.<\/strong><\/sub><\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    Okay, that seems simple enough to understand, right? Absolutely not! Some travel insurance providers have strict terms & conditions for their “\u2705 Yes” claims and there are certain requirements you have to meet.<\/p>\n\n\n\n

    I’ve also noticed that the same travel insurance provider may have a different policy wording if you purchase it through a different place. For example, according to Chubb’s notice on its homepage, it says that your trip cancellation will not be covered. However, if you have bought a travel insurance with AMEX (underwritten by Chubb), your trip cancellation will be covered. <\/p>\n\n\n\n

    Potentially confusing, I know! For the sake of simplicity, all information here will be according to the notices from each travel insurance provider’s homepage. Now, here\u2019s the individual breakdown of the coverage if you’re planning to cancel your trip:<\/strong><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    1. If you’re on AIA…<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"\"<\/figure>\n\n\n\n
    <\/div>\n\n\n\n

    \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 22 January 2020 <\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
    If you bought your policy before 22 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
    If you bought your policy before 27 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\uddf0\ud83c\uddf7 South Korea (Daegu city & Cheongdo county) travel<\/strong>
    If you bought your policy before 23 February 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\udf0e Rest of the world travel<\/strong>
    If you bought your policy before 12 March 2020: \u2705 Yes, you’ll be covered for trip cancellation.
    <\/p>\n\n\n\n

    Read AIA’s full statement about the novel coronavirus here<\/span><\/a>. <\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    2. If you’re on AIG…<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"AIG<\/figure><\/div>\n\n\n\n
    <\/div>\n\n\n\n
    <\/div>\n\n\n\n
    <\/div>\n\n\n\n

    \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 30 January 2020 <\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Wuhan & Mainland China travel<\/strong>
    If you bought your policy before 22 January 2020 for Wuhan or 27 January 2020 for Mainland China: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\udf0e Rest of the world travel<\/strong>
    If you bought your policy before 30 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    Read AIG’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>. <\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    3. If you’re on Allianz…<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"Allianz\"<\/figure>\n\n\n\n
    <\/div>\n\n\n\n

    \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 22 January 2020 <\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Wuhan & Mainland China travel<\/strong>
    If you bought your policy before 22 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\udf0e Rest of the world travel<\/strong>
    If you bought your policy before 22 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    Read Allianz’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>. <\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    4. If you’re on Aviva…<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"Aviva\"<\/figure>\n\n\n\n
    <\/div>\n\n\n\n

    \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 20 January 2020 <\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Wuhan & Mainland China travel<\/strong>
    If you bought your policy before 20 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    \ud83c\udf0e Rest of the world travel<\/strong>
    If you bought your policy before 20 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

    Note: All other claims unrelated to the novel coronavirus (COVID-19) event will continue to be eligible. That means if you experience travel delay due to an airplane fault or lost baggage because it ended up in some other country or whatever, you’ll still be covered by Aviva.<\/p>\n\n\n\n

    Read Aviva’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>. <\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    5. If you’re on AXA…<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"AXA\"<\/figure>\n\n\n\n
    <\/div>\n\n\n\n

    \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> Unspecified<\/p>\n\n\n\n

    \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
    If you bought your policy before 11 January 2020: \u2705 Yes, you’ll be covered for trip cancellation ONLY IF<\/p>\n\n\n\n

    1. You departed before 11 January 2020.<\/li><\/ol>\n\n\n\n

      \ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
      If you bought your policy before 27 January 2020: \u2705 Yes, you’ll be covered for trip cancellation ONLY IF<\/p>\n\n\n\n

      1. You departed before 27 January 2020.<\/li><\/ol>\n\n\n\n

        \ud83c\uddf0\ud83c\uddf7 South Korea (Daegu city & Cheongdo county) travel<\/strong>
        If you bought your policy before 23 February 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

        \ud83c\udf0e Rest of the world travel<\/strong>
        If you bought your policy before 11 March 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

        Read the AXA’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>. <\/em><\/p>\n\n\n\n

        <\/div>\n\n\n\n

        6. If you’re on Chubb…<\/strong><\/h2>\n\n\n\n
        <\/div>\n\n\n\n
        \"CHUBB\"<\/figure>\n\n\n\n
        <\/div>\n\n\n\n

        \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 27 January 2020<\/p>\n\n\n\n

        \ud83c\udde8\ud83c\uddf3 Wuhan & Mainland China<\/strong> +<\/strong> \ud83c\udf0e Rest of the world travel<\/strong>
        If you bought your policy regardless of dates: \u26d4\ufe0f No, you’ll not be covered for trip cancellation.
        <\/p>\n\n\n\n

        Note: For policies bought before 27 January 2020, only injuries or medical evacuation due to the novel coronavirus (COVID-19) event will be eligible.
        <\/p>\n\n\n\n

        Read Chubb’s full on the novel coronavirus statement <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

        <\/div>\n\n\n\n

        7. If you’re on Etiqa…<\/strong><\/h2>\n\n\n\n
        <\/div>\n\n\n\n
        \"Etiqa\"<\/figure>\n\n\n\n
        <\/div>\n\n\n\n

        \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 31 January 2020<\/p>\n\n\n\n

        \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
        If you bought your policy before 22 January 2020: \u2705 Yes, you’ll be covered for trip cancellation ONLY IF<\/p>\n\n\n\n

        1. You departed before 22 January 2020.<\/li><\/ol>\n\n\n\n

          \ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
          If you bought your policy before 27 January 2020: \u2705 Yes, you’ll be covered for trip cancellation ONLY IF<\/p>\n\n\n\n

          1. You departed before 27 January 2020.<\/li><\/ol>\n\n\n\n

            \ud83c\udf0e Rest of the world travel<\/strong>
            If you bought your policy before 20 January 2020: \u26d4\ufe0f No, you’ll not be covered, except for medical expenses incurred overseas or in Singapore because of the novel coronavirus (COVID-19) only.<\/p>\n\n\n\n

            Read Etiqa’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

            <\/div>\n\n\n\n

            8. If you’re on FWD…<\/strong><\/h2>\n\n\n\n
            <\/div>\n\n\n\n
            \"FWD\"<\/figure>\n\n\n\n
            <\/div>\n\n\n\n

            \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 31 January 2020 <\/p>\n\n\n\n

            \ud83c\udde8\ud83c\uddf3 Wuhan & Mainland China travel<\/strong>
            If you bought your policy before 23 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

            \ud83c\udf0e Rest of the world travel<\/strong>
            If you bought your policy before 31 January 2020: \u2705 Yes, you’ll be covered for trip cancellation, ONLY IF<\/p>\n\n\n\n

            1. the Ministry of Foreign Affairs (MFA) issued a travel advisory against the destination you’re going to.<\/li><\/ol>\n\n\n\n

              Note: For any policies bought after 31 January 2020, only medical expenses claims will remain eligible.<\/p>\n\n\n\n

              Read FWD’s full statement about the novel coronavirus here<\/span><\/a>.<\/em><\/p>\n\n\n\n

              <\/div>\n\n\n\n

              9. If you’re on Great Eastern…<\/strong><\/h2>\n\n\n\n
              <\/div>\n\n\n\n
              \"Great<\/figure>\n\n\n\n
              <\/div>\n\n\n\n

              \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 24 January 2020, 9:30am<\/p>\n\n\n\n

              <\/strong>\ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
              If you bought your policy before 28 January 2020, 11.59pm: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
              If you bought your policy before 24 January 2020, 9.30am: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea travel<\/strong>
              If you bought your policy before 25 February 2020, 11.59pm: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udf0e Rest of the world travel <\/strong>
              If you bought your policy before 3 March 2020, 11.59pm: \u2705 Yes, you’ll be covered for trip cancellation.
              <\/p>\n\n\n\n

              Read Great Eastern’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

              <\/div>\n\n\n\n

              10. Hong Leong Assurance<\/strong><\/h2>\n\n\n\n
              <\/div>\n\n\n\n
              \"\"<\/figure>\n\n\n\n
              <\/div>\n\n\n\n

              \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 23 January 2020<\/p>\n\n\n\n

              <\/strong>\ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
              If you bought your policy before 23 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea (Daegu and Cheongdo) travel<\/strong>
              If you bought your policy before 23 February 2020, 11.59pm: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea + \ud83c\uddef\ud83c\uddf5 Japan + \ud83c\uddee\ud83c\uddf9 Northern Italy travel<\/strong>
              If you bought your policy before 3 March 2020, 9am: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udf0e Rest of the world travel <\/strong>
              If you bought your policy before 12 March 2020: \u2705 Yes, you’ll be covered for trip cancellation.
              <\/p>\n\n\n\n

              Read Hong Leong Assurance’s full statement about the novel coronavirus here<\/span><\/a>.<\/em><\/p>\n\n\n\n

              <\/div>\n\n\n\n

              11. If you’re on MSIG…<\/strong><\/h2>\n\n\n\n
              <\/div>\n\n\n\n
              \"MSIG\"<\/figure>\n\n\n\n
              <\/div>\n\n\n\n

              \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> Unspecified<\/p>\n\n\n\n

              \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
              If you bought your policy before 22 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udde8\ud83c\uddf3 Hubei Province travel<\/strong>
              If you bought your policy before 23 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              <\/strong>\ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
              If you bought your policy before 27 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea (Daegu city & Cheongdo county) travel<\/strong>
              If you bought your policy before 23 February 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udf0e Rest of the world travel<\/strong>
              If you bought your policy before 27 February 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              Note: You can also ask for a policy refund if your policy period hasn’t started, was bought before 30 January 2020, and you haven’t made any claims.<\/p>\n\n\n\n

              Read MSIG’s full statement on the novel coronavirus <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

              <\/div>\n\n\n\n

              12. If you’re on NTUC Income…<\/strong><\/h2>\n\n\n\n
              <\/div>\n\n\n\n
              \"NTUC<\/figure>\n\n\n\n
              <\/div>\n\n\n\n

              \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> Unspecified<\/p>\n\n\n\n

              \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
              If you bought your policy before 20 January 2020, 8pm: \u2705 Yes, you’ll be covered for trip disruption, cancellation, postponement or shortening only. <\/p>\n\n\n\n

              Note: It’s unclear if you’ll be covered for medical expenses or not.<\/p>\n\n\n\n

              <\/strong>\ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
              If you bought your policy before 27 January 2020, 7pm: \u2705 Yes, you’ll be covered for trip disruption, cancellation, postponement or shortening only.<\/p>\n\n\n\n

              Note: It’s unclear if you’ll be covered for medical expenses or not.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea (Daegu city & Cheongdo county) travel<\/strong>
              If you bought your policy before 23 February 2020, 6pm: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\uddf0\ud83c\uddf7 South Korea + \ud83c\uddee\ud83c\uddf7 Iran + \ud83c\uddef\ud83c\uddf5 Japan + \ud83c\uddee\ud83c\uddf9 Italy travel<\/strong>
              If you bought your policy before 4 March 2020, 9am: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

              \ud83c\udf0e Rest of the world travel<\/strong>
              If you bought your policy regardless of dates: \u26d4\ufe0f Unspecified<\/p>\n\n\n\n

              Read NTUC Income’s full statement about the novel coronavirus <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

              <\/div>\n\n\n\n

              13. If you’re on Sompo…<\/strong><\/h2>\n\n\n\n
              <\/div>\n\n\n\n
              \"SOMPO<\/figure>\n\n\n\n
              <\/div>\n\n\n\n

              \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 22 January 2020<\/p>\n\n\n\n

              \ud83c\udde8\ud83c\uddf3 Wuhan travel<\/strong>
              If you bought your policy before 22 January 2020, 8pm: \u2705 Yes, you’ll be covered for trip cancellation or postponement, ONLY IF<\/p>\n\n\n\n

              1. You’re travelling to Mainland China from 1 February to 31 March 2020<\/li>
              2. OR you contract COVID-19 and unable to travel.<\/li><\/ol>\n\n\n\n

                Note: If you’ve departed before 22 January 2020, 8pm, medical expenses, emergency medical evacuation, and repatriation will remain eligible ONLY IF you contract COVID-19. <\/p>\n\n\n\n

                <\/strong>\ud83c\udde8\ud83c\uddf3 Mainland China travel<\/strong>
                If you bought your policy before 27 January 2020, 7pm: \u2705 Yes, you’ll be covered for trip cancellation or postponement, ONLY IF <\/p>\n\n\n\n

                1. You’re travelling to Mainland China from 1 February to 31 March 2020<\/li>
                2. OR you contract COVID-19 and unable to travel.<\/li><\/ol>\n\n\n\n

                  Note: If you’ve departed before 27 January 2020, 7pm, medical expenses, emergency medical evacuation, and repatriation will remain eligible ONLY IF you contract COVID-19. <\/p>\n\n\n\n

                  \ud83c\udf0e Rest of the world travel<\/strong>
                  If you’ve departed on or after 22 January 2020, 8pm: \u26d4\ufe0f No, you’ll not be covered for trip cancellation or postponement due to COVID-19 outbreak. <\/p>\n\n\n\n

                  Note: If you haven’t departed, trip cancellation or postponement will remain eligible ONLY IF you contract COVID-19 in Singapore. If you have departed, medical expenses, emergency medical evacuation, and repatriation will remain eligible ONLY IF you contract COVID-19. <\/p>\n\n\n\n

                  For all travels regardless of destination, you can also get a full policy refund by informing Sompo to cancel your policy by 29 February 2020, if you haven’t made any claims.<\/p>\n\n\n\n

                  Read Sompo’s full statement on the novel coronavirus here<\/span><\/a>.<\/em><\/p>\n\n\n\n

                  <\/div>\n\n\n\n

                  14. If you’re on Tokio Marine…<\/strong><\/h2>\n\n\n\n
                  <\/div>\n\n\n\n
                  \"Tokio<\/figure>\n\n\n\n
                  <\/div>\n\n\n\n

                  \ud83d\udcc6 Novel coronavirus (COVID-19) as a known event:<\/strong> 11 January 2020<\/p>\n\n\n\n

                  \ud83c\udde8\ud83c\uddf3 Wuhan &<\/strong> Mainland China +<\/strong> \ud83c\udf0e Rest of the world travel<\/strong><\/p>\n\n\n\n

                  If you bought your policy before 11 January 2020: \u2705 Yes, you’ll be covered for trip cancellation.<\/p>\n\n\n\n

                  Read Tokio Marine’s full statement about the coronavirus <\/em>here<\/em><\/span><\/a>.<\/em><\/p>\n\n\n\n

                  <\/div>\n\n\n\n

                  Conclusion<\/strong><\/h2>\n\n\n\n
                  <\/div>\n\n\n\n

                  Phew! That’s a lot of information to sift through if you had to go through each and every one of these travel insurance providers’ small print. However, just because we’ve condensed it here doesn’t mean that you shouldn’t read the small print! <\/p>\n\n\n\n

                  As you can see, some of these travel insurance providers have very specific requirements as to what you can claim, or whether you can cancel or not. <\/p>\n\n\n\n

                  You’d do yourself a big favour by studying the policy wording, including the terms and conditions, so that you can make an informed decision before buying travel insurance.<\/p>\n\n\n\n

                  From this list, you can also gather which travel insurance providers give you the most comprehensive coverage amidst this novel coronavirus outbreak. Perhaps, in the future or better times, you could consider insuring your travel plans with them again?<\/p>\n\n\n\n

                  Remember, if you do go ahead with your trip, stay safe and use your YouTrip card<\/span><\/a> to utilise YouTrip\u2019s Wholesale Exchange Rates<\/span><\/a>!<\/p>\n\n\n\n

                  All travel insurance information is accurate to date and time of publishing. For any corrections, kindly reach us at editorial@you.co<\/span><\/a>.<\/span><\/sup><\/em><\/p>\n\n\n\n

                  <\/div>\n\n\n\n

                  Read: How I Lost S$9,000 in Japan, Tokyo<\/span><\/a><\/strong><\/p>\n\n\n\n

                  Read: Australia Wildfires: Cheaper Travels But At What Cost?<\/span><\/a><\/strong><\/span><\/a><\/p>\n\n\n\n

                  Read: Carbon Offset Programme Types, Costs & Contributions<\/span><\/a><\/strong><\/p>\n\n\n\n

                  Read: 10 Best Travel Apps You Must Download (2020 Edition)<\/span><\/a><\/strong><\/p>\n\n\n\n

                  Read: PayPal Currency Conversion and Exchange Rates Guide<\/span><\/a><\/strong><\/p>\n\n\n\n

                  Enjoy a travel experience with no fees worldwide!<\/em><\/p>\n\n\n\n

                  \"YouTrip<\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"

                  Can I cancel my travel plans?<\/p>\n","protected":false},"author":23,"featured_media":13031,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621],"tags":[],"class_list":["post-12904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/12904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=12904"}],"version-history":[{"count":0,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/12904\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/13031"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=12904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=12904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=12904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}