Will My Travel Insurance Cover Novel Coronavirus (COVID-19)?

Will My Travel Insurance Cover Novel Coronavirus (COVID-19)?

Is your overseas trip affected by the Coronavirus outbreak? Wondering if you are able to make a travel insurance claim or get a refund? Read more.

With more than 73,000 cases and 1,800 deaths worldwide resulting from COVID-19, the novel coronavirus, countries around the world are not just limiting travel into and out of Wuhan but also mainland China. Wonder what does travel insurance cover?

This article was last updated at 10am on 18 February 2020.

Here in Singapore, as of 17 February 2020, we have a total of 77 confirmed cases of people with the coronavirus. The government has also raised the risk assessment to DORSCON Orange.

Singapore citizens have been advised to wash our hands frequently and maintain good personal hygiene. We have also been advised to be socially responsible by wearing a mask, especially when you are not feeling well. Masks contain filters that prevent germs from being spread. The Government is even providing every Singapore household a pack of 4 masks from 1 February to 9 February 2020.  

In light of the developing novel coronavirus (COVID-19) outbreak in China, the Ministry of Health (MOH) has issued a travel advisory for Singaporeans to defer all travel to Hubei Province and all non-essential travel to Mainland China. Companies such as Facebook, Microsoft and Apple have also restricted all non-essential travel to China.  

To guard against the novel coronavirus, the Singapore Government has announced that there will be no entry or transit through Singapore for: 

  • All new visitors with recent Hubei travel history within the last 14 days 
  • Holders of PRC passports issued in Hubei 

New visas for holders of Chinese passports issued in Hubei will also be suspended. 

With such an advisory issued, what will happen if you defer your travel to mainland China? Will your travel insurance cover the trip cancellation? The MOH website states that you are advised to check with your respective travel insurance providers for information on coverage and compensation.

Will My Travel Insurance Cover Novel Coronavirus (COVID-19)?

What does travel insurance cover especially in face of the Coronavirus (COVID-19)? | Photo: istock

Will my travel insurance cover cancellations made in light of the Coronavirus (COVID-19)?

Travel insurance covers travellers for a multitude of things, including cancellation and delays of flights, hotels, missing luggage, medical expenses and more. However, in situations like the Coronavirus, an outbreak of a virus often has limited coverage under travel insurance plans for trip cancellation purposes. 

Many airlines have suspended flights to China cancelling their flights to China, these include Singapore Airlines, Qantas Airways, Cathay Pacific Airways and more. Singapore Airlines’ budget carrier Scoot cancelled its daily flight to Wuhan, and customers already booked on those flights will receive emails with further information regarding refunds. Major hotel chains such as Hilton, Marriott, Accor and InterContinental have offered free changes or cancellations to bookings up to February 8.

Some insurance companies have also issued announcements on their sites regarding the Coronavirus outbreak and whether claims arising from Coronavirus-related disruptions will be covered.

Here’s what some of them have announced on their site (as of 10am on 17 February 2020)


“We will not provide coverage for trip cancellations to any countries in relation to Wuhan Virus for travel insurance policy issued from 22 Jan 2020 onwards. For our customers who purchased the policies on 21 Jan 2020 or before, we will respond based on the terms and conditions and the benefits claimed.”

Source: Allianz


“Only travel policies purchased before 20 Jan 2020 are eligible for claims related to the Novel Coronavirus outbreak. Claims unrelated to this event remain covered, subject to our policy terms and conditions.”

Source: Aviva


“Customers are eligible for trip cancellation claims, if they purchased our travel insurance plans and booked their trips to: 
1) Wuhan before 11 January 2020; or 
2) Mainland China before 27 January 2020 

Customers are eligible for claims arising from the coronavirus outbreak if they departed Singapore for:  
1) Wuhan before 11 January 2020; or  
2) Mainland China (excluding Wuhan) before 27 January 2020 

In view of the Ministry of Health’s advisory to defer non-essential travel to mainland China, our travel insurance does not cover any claims arising from the outbreak, which is deemed a “known” event, for trips to or passing through the country if the policy or trip is purchased on the dates stated above or later. 

Customers who have not departed Singapore and wish to proceed with their trip are not eligible for any claims arising from the outbreak.

Source: AXA


“The Novel Coronavirus outbreak has been widely reported in the media, and alerts have been issued by the World Health Organisation and the Ministry of Health, Singapore. ERGO Singapore is treating this Event as known and foreseen, effective 30 January 2020.

ERGO Singapore will not cover any claims arising from this Event if your policy was issued on or after 30 January 2020, 0001 hours. For policies issued prior to 30 Jan 2020, 0001 hours, we will assess claims based on the policy terms and conditions.

Notwithstanding the above, for travel to Wuhan or Mainland China, ERGO Singapore will not cover any claims arising from this Event, if your policy was issued on or after:
(a) 20 January 2020, 8 pm for insured(s) travelling to Wuhan
(b) 27 January 2020, 7 pm for insured(s) travelling to the rest of Mainland China,

Subject to the terms and conditions of your policy.”

Source: ERGO


“The World Health Organisation (WHO) declared on Thursday (Jan 30) that the coronavirus epidemic in China now constitutes a public health emergency of international concern. We are treating this Event as known and foreseen, effective 31 January 2020. As such, any claims arising globally from this Event will not be covered unless your policy was issued prior to 31 January 2020, 0001 hours.Notwithstanding the above, Etiqa Singapore will honour claims related to / caused by this Event, subject to the terms and conditions of your policy, if your policy was issued before:

  • 22 January 2020, 0001 hours for Insured(s) travelling to Wuhan
  • 27 January 2020, 0001 hours for Insured(s) travelling to the rest of Mainland China (excluding Hong Kong, Macau & Taiwan)

As the situation develops, cover to the other areas are subject to change.

Source: Etiqa

FWD Insurance 

what does travel insurance cover

Source: FWD | What does travel insurance cover?

NTUC Income 

“For travellers going to Mainland China, please note that the Wuhan virus is currently considered a known event and there will be no coverage for any claims arising from the Wuhan virus for your travel to Mainland China if you activate your travel insurance now. Travellers can file a claim for Cancelling/Shortening/Postponing your trip or Trip Disruption as the case may be, and according to the policy conditions, if they have purchased their policies before 8pm on 20 Jan 2020 (for travel to Wuhan), or before 7pm on 27 Jan 2020 (for travel to the rest of Mainland China).”

Source: NTUC Income


“Our travel insurance does not cover any claims arising from Novel Coronavirus (Covid-19) outbreak for trips to or passing through these destinations if the policy or trip is purchased on these dates or later: 22 Jan 2020 for Wuhan, 23 Jan 2020 for Hubei Province, 27 Jan 2020 for Mainland China (excluding Hong Kong, Macau & Taiwan). As the situation develops, cover to other areas are subject to change. Please refer to Singapore Ministry of Foreign Affairs for the latest update.”

Source: MSIG 


“Policyholders who have purchased their policies AFTER

  • 22 Jan 2020, 8pm for travel to Wuhan & Hubei,
  • 27 Jan 2020, 7pm for travel to the rest of Mainland China

Not covered for claims arising directly or indirectly from COVID-19 outbreak as it is considered as a known event.”

Source: Sompo

From these announcements, it’s clear that any travel insurance purchased after specific dates will not cover you for claims made as a result of or reasons related to the Coronavirus outbreak. If you are unsure, we suggest that you check with your travel insurance provider for more details. 

For healthcare workers working in public institutions, cancelling holiday plans due to the COVID-19 situation could be inevitable. MOM has shared that help will be provided to defray the costs incurred if healthcare workers cannot get a refund from their travel agent or insurance company.

Importance of buying travel insurance early 

Frankly, no one could have predicted the onset of the Coronavirus or the severity of its impact globally. 

What we can do, however, is to protect ourselves from similar future outbreaks and unknown situations. You can consider purchasing a single trip travel insurance policy the moment you confirm the destination and dates of your overseas trip. Frequent travellers can opt to purchase an annual travel plan. 

For most cases, if you’ve bought your travel insurance before the advisory was announced (different insurers may use different dates), the trip disruption, postponement or cancellation will be covered up to your policy’s benefit limit.

You should also pay closer attention to the T&Cs of the insurance policy documents. For example, some travel insurance plans offer trip cancellations for any reason (be it as part of the policy or as an upgrade or add-on), which would then cover you for a situation like the Coronavirus outbreak. 

The truth is a lot of us end up buying travel insurance at the very last minute. At times (we’re all guilty as charged), we buy it minutes before stepping onto the airplane. However, purchasing our travel insurance weeks, or even months, before the actual trip can save our wallets from unprecedented costs incurred when we are pushed to cancel our trip. 

Not sure where to look for the best plans? We got you covered. Browse through some of the best travel insurance you can get for your upcoming trip this 2020.

Common FAQs related to COVID-19 

Q: Are outbreaks like the COVID-19 covered by regular travel insurance policies?

Ans: Generally, regular travel insurance policies cover you if your trip disruption is made due to an unforeseen event. However, insurance companies now consider COVID-19 to be a known event and hence will not provide coverage for any claims arising from the COVID-19. 

Q: Why are insurance companies not covering claims made due to COVID-19? 

Ans: Regular travel insurance policies cover you if your trip disruption is made due to an unforeseen event. A known event, is an event that the average person would have been aware of through the mass media, that interrupts your trip. 

For COVID-19, in the early stages of the outbreak, it was still considered an unknown event. Most insurers now consider COVID-19 a known event and have issued advisories on travel insurance claims. Hence, whether travel insurance covers the losses from COVID-19 largely depends on when the policy was activated. Insurance policies bought after the date when the insurer labels it as a known event will not be claimable. 

Q: If I cancel my trip now due to the COVID-19, can I get a refund on my travel insurance?

Will My Travel Insurance Cover Novel Coronavirus (COVID-19)?
What does travel insurance cover: can I get a refund on it? | Source: FWD
what does travel insurance cover
Source: MSIG | What does travel insurance cover?

Ans: Above are the cancellation terms for some of our travel insurance providers. Essentially, all providers share similar cancellation terms. A notice period needs to be given to the insurer before the policy date starts.

For Single Trip policies, usually only premium plans will be refunded, and this is dependent if you had filed any claims prior. For Annual Trip policies, the premium refunded will be on a prorated basis and dependent if any claims have been made.

Q: Can I make a claim for trip cancellation due to the COVID-19 outbreak?

Ans: It will depend on your policy and insurer. Currently, unless you’re travelling to mainland China, trip cancellations and delays are not claimable. In the event that you choose to proceed with your travel plans, any inconveniences or medical claims made due to the Wuhan Coronavirus, will not be covered. 

Q: If I visit a country that does not have any reported COVID-19 cases, am I still covered by my travel insurance?

Ans: For now, insurers have only issued advisories for travel to mainland China. That said, as this is a developing situation it will be subject to change. 

Q: What do I do if I am admitted to a hospital overseas and do not have enough money with me for a deposit?

Ans: Not to worry, most travel insurance policies include hospital admission deposit. You will need to call your insurer’s 24-hour hotline (found on your insurance policy or their website) and they will guide you on what to do next. 

Note: In the event that you need to be hospitalised, do make sure that you have to be admitted to a government licensed and/or registered hospital to facilitate claims.

Q: What can I do to reduce the chances of contacting COVID-19 when overseas? 

  • Avoid crowded places and close contact with people who are unwell or showing symptoms of illness
  • Observe good personal hygiene
  • Practise frequent hand washing with soap 
  • Bring hand sanitiser along with you wherever you go 
  • Avoid consumption of raw or undercooked meats
  • Seek medical attention promptly if you are feeling unwell

Q: Which countries should I avoid travelling to? 

Ans: MOH advises travellers to avoid travel to Hubei province in China, and to defer all non-essential travel to mainland China.

Q: Which countries will quarantine me if I travel there?

Ans: In Sarawak (East Malaysia), travellers who have been to Singapore will have to undergo a mandatory 14-day self-quarantine at home.

Q: What help does the Singapore government provide for people infected with COVID-19? 

Ans: The Ministry of Health (MOH) has said that the Singapore government will be paying for hospital bills incurred by coronavirus patients in public hospitals. However, this coverage does not extend to outpatient treatment at general practitioner clinics or polyclinics, nor does it apply to treatment sought at private medical facilities.

This article was republished on theAsiaparent with permission from SingSaver. SingSaver is a personal finance comparison platform which provides free, quick and easily accessible resources to help consumers understand personal finance products in Singapore; including credit cards, personal loans and travel insurance.

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Also READ: Alcohol, Hand Sanitizer Or Antiseptic Wipes? What Actually Protects You From Coronavirus?

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