Travel Insurance Updates (Wuhan Coronavirus) — Are Your Cancelled Plans Covered?

wuhan virus travel insurance

Everyone is worried about the novel coronavirus, and for good reason: China is on lockdown, and globally, the “Wuhan virus” is spreading quicker and quicker by the day.

The World Health Organisation has officially declared the  2019-nCoV outbreak as a public health emergency.

Although it is only China that’s on lockdown, travelling is generally not recommended. If possible, we should try to limit our time in crowded places in case of community spread.

So if you have any upcoming travel plans — whether to China or not — you may want to check your travel insurance coverage.

Read also: Watsons and Guardian Sold Out? Here are 5 Alternatives to Buy Surgical Masks in Singapore

 

In light of the Wuhan virus outbreak, are my cancelled plans covered by travel insurance?

Generally, the Wuhan virus outbreak is considered a “known event” which means whether or not you are covered depends on when you bought your policy.

If it was before it was considered “known” (around 20 to 23 Jan 2020), then you may be covered.

If not, you won’t be able to make any related claims. This seems reasonable, and is to prevent fraud (i.e. people planning and cancelling trips despite knowing the risks of the outbreak).

This is why we always recommend purchasing travel insurance as soon as you book your flights. You never know when something like this may happen — it may be the next day, week or month.

Read also: Travel Insurance Promo Codes — Plus, 7 More Ways To Save On Travel Insurance in Singapore

 

Travel insurance updates for the novel coronavirus (2019-nCoV) from Wuhan

If it’s too late and you already have an upcoming trip planned, here are the official updates from the various insurers in Singapore (correct at the time of writing).

Travel insurance provider  Covered only if policy purchased before
NTUC Income  8pm, 20 Jan 2020 (Wuhan)
7pm, 27 Jan 2020 (Mainland China) 
FWD 23 Jan 2020 (Mainland China) 

31 Jan 2020 (Everywhere else) 

Etiqa  22 Jan 2020 (Wuhan)

27 Jan 2020 (Mainland China)

31 Jan 2020 (Everywhere else) 

MSIG 22 Jan 2020 (Wuhan)

23 Jan 2020 (Hubei Province) 

27 Jan 2020 (Mainland China) 

AXA 11 Jan 2020 (Wuhan) 

27 Jan 2020 (Mainland China) 

AIG 22 Jan 2020 (Wuhan) 

27 Jan 2020 (Mainland China) 

Allianz  22 Jan 2020 (All destinations) 
Aviva 20 Jan 2020 (All “related” claims)
Chubb 22 Jan 2020 (All “related” claims)

27 Jan 2020 (Mainland China) 

Great Eastern 9.30am, 24 Jan 2020 (Wuhan)

29 Jan 2020 (Mainland China) 

HL Assurance  No official statement yet. 

 

NTUC Income travel insurance

Covered only if policy purchased before… 

  • 8pm on 20 Jan 2020 for Wuhan
  • 7pm on 27 Jan 2020 for the rest of Mainland China

Official statement:

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).

Read more on the NTUC Income travel insurance website or buy NTUC travel insurance via MoneySmart here.

Back to top

 

FWD travel insurance

Covered only if policy purchased before… 

  • 23 Jan 2020 for Mainland China
  • 31 Jan 2020 for any other trip cancellations, postponement, cut-short and disruptions (all destinations)

Official statement:

As the World Health Organisation (WHO) has declared the outbreak of the Novel Coronavirus a Public Health Emergency of International Concern on 31 January 2020, we will not admit claims made under the Trip Cancellation, Trip Postponement, Trip Cut Short & Trip Disruption benefits related to this event if you bought your travel policy on/after 31 January 2020. As the situation pertaining to the outbreak develops, coverage for other benefits may be subject to change.

Notwithstanding the above, please note that we will not cover any claims arising in connection to the outbreak for travels in, to, or through Mainland China (excluding Hong Kong, Macau and Taiwan), if you bought your travel policy on/after 23 January 2020. All other claims will be assessed in accordance with our policy T&Cs.

Read more on the FWD travel insurance website or buy FWD travel insurance via MoneySmart here.

Back to top

 

Etiqa travel insurance

Covered only if policy purchased before… 

  • 22 Jan 2020 for Wuhan
  • 27 Jan 2020 for the rest of Mainland China
  • 31 Jan 2020 for all destinations

Official statement:

“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.”

Read more on the Etiqa travel insurance website.

Back to top

 

MSIG travel insurance

Covered only if policy purchased before… 

  • 22 Jan 2020 for Wuhan
  • 23 Jan 2020 for any city in the Hubei Province
  • 27 Jan 2020 for the rest of Mainland China

Official statement:

“Our travel insurance does not cover any claims arising from Novel Coronavirus 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. “

Read more on the MSIG travel insurance website or buy MSIG travel insurance via MoneySmart here.

Back to top

 

AXA travel insurance

Covered only if policy purchased before… 

  • 11 Jan 2020 for Wuhan
  • 27 Jan 2020 for the rest of Mainland China

Official statement:

Customers are eligible for trip cancellation claims, if they purchased our travel insurance plans and booked their trips to:

  • Wuhan before 11 January 2020; or
  • Mainland China before 27 January 2020

Customers are eligible for claims arising from the coronavirus outbreak if they departed Singapore for:

  • Wuhan before 11 January 2020; or
  • Mainland China (excluding Wuhan) before 27 January 2020

In view of the Ministry of Foreign Affairs’ 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.

Read more on the AXA travel insurance notice or buy AXA travel insurance via MoneySmart here.

Back to top

 

AIG travel insurance

Covered only if policy purchased before… 

  • 22 Jan 2020 for Wuhan
  • 27 Jan 2020 for the rest of Mainland China

Official statement:

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. AIG Singapore is treating this Event as known and foreseen, effective 30 January 2020.

AIG 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, AIG Singapore will not cover any claims arising from this Event, if your policy was issued on or after:

(a) 22 January 2020, 0001 hours for insured(s) travelling to Wuhan
(b) 27 January 2020, 0001 hours for insured(s) travelling to the rest of Mainland China,

subject to the terms and conditions of your policy.

Read more on the AIG travel insurance website or buy AIG travel insurance via MoneySmart here.

Back to top

 

Allianz travel insurance

Covered only if policy purchased before… 

  • 22 Jan 2020 for all destinations

Official statement:

“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.

Read more on the Allianz travel insurance website or buy Allianz travel insurance via MoneySmart here.

Back to top

 

Aviva travel insurance

Covered only if policy purchased before… 

  • 20 Jan 2020 for all related claims

Official statement:

“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.”

Read more on the Aviva travel insurance website or buy Aviva travel insurance via MoneySmart here.

Back to top

 

Chubb travel insurance

Covered only if policy purchased before… 

  • 22 Jan 2020 for related claims
  • 27 Jan 2020 for the rest of Mainland China

Official statement:

Released in a claims response notice. Read the document via Chubb travel insurance website.

Back to top

 

Great Eastern travel insurance

Covered only if policy purchased before… 

  • 9.30am on 24 Jan 2020 for trips to Wuhan and any related claims
  • 29 Jan 2020 for the rest of Mainland China

Official statement:

Specific to travel insurance, in view of the Coronavirus outbreak in Wuhan, China, and the travel advisories issued by international and national authorities, we will honour claims arising from this event, subject to the terms and conditions of the policy for travel policies or trips purchased before 24 January 2020, 9.30 am.

However, we will not provide coverage for all benefits for travel to, from and through these destinations, if the policy or trip is purchased after these dates:

  • 24 Jan 2020, 9.30 am for Hubei Province
  • 28 Jan 2020, 11.59 pm for Mainland China

As the situation develops, coverage to other areas may be subject to change.

Read more on the Great Eastern travel insurance website.

Back to top

 

HL Assurance travel insurance

No official statement yet. 

Check back on the HL Assurance travel insurance website for updates or buy HL Assurance via MoneySmart here.

For the latest updates relating to the novel coronavirus outbreak originating in Wuhan, please refer to the following channels:

 

Did we miss any travel insurance providers out? Let us know in the comments below.