The outbreak of Coronavirus in parts of China is a rapidly developing situation and we would strongly advise anyone travelling to the country to look at the guidance issued by the Foreign and Commonwealth Office (FCO) which is updated on a regular basis.
The Foreign Office is warning Britons not to travel to mainland China, unless their journey is essential.
From a travel insurance perspective the British Insurance Brokers Association, which PK Partnership is a member of, has advised they expect that consumers who had purchased travel insurance and travelled before the FCO issued its advice on 23rd January will be covered while in China. Travel insurance includes medical expenses and so treatment costs for a traveller who becomes unwell in China should be covered up to the limit in the policy. This would include anyone who had visited or is presently in Wuhan city or Hubei province but not now for travel into the city or province from elsewhere in China.
For people travelling to Wuhan city or to Hubei province after 23rd January, insurers are now excluding cover since the FCO is advising against travel.
Concerned travellers who had booked their trip via a tour operator or travel agent or using a credit card may wish should contact them to see if they can get a refund or have their trip re-arranged.
Please keep a close eye on the Foreign and Commonwealth Office web site.
All travel policies are different in terms of what a travel policy covers and what a policyholder can claim for. If you have any questions relating to your travel insurance arranged through PK Partnership please contact us on 020 8681 4994 and we will be happy to assist.