Posted on: 27 February 2020
The Latest on the Coronavirus COVID-19
The Coronavirus AKA Covid-19
are a large family of respiratory viruses that can cause diseases ranging from
the common cold to the Middle East Respiratory Syndrome (MERS) and the Severe
Acute Respiratory Syndrome (SARS).
So far, the main clinical signs and symptoms reported in this
outbreak include fever, difficulty in breathing, and chest radiographs showing
bilateral lung infiltrates.
suggestive of acute respiratory illness before, during or after travel, with
travellers encouraged to seek medical attention and share travel history with
their health care provider.
Foreign & Commonwealth Office (FCO)and World
Health Organisation (WHO) Travel Advice
As of the 25 January 2020 the FCO
upgraded protocol regarding Italy to advise against all but essential travel to 10 small towns in Lombardy (Codogno,
Castiglione d’Adda, Casalpusterlengo, Fombio, Maleo, Somaglia, Bertonico,
Terranova dei Passerini, Castelgerundo and San Fiorano) and one in Veneto (Vo’
Euganeo), which have been isolated by the Italian authorities due to an ongoing
outbreak of coronavirus (COVID-19).
The government of
Italy has introduced extraordinary measures that allow regions to implement
civil protection measures in response to coronavirus, including the isolation
of these towns.
standard travel policy will automatically excluded cover where a policyholder
travels against the advice of the FCO, Cancellation and Curtailment sections
also exclude cover for claims arising directly or indirectly from travel
arrangements affected by or contributed to, or by order of any government or
public/local authority. However, some
travel arrangements will have been made by customers prior to the FCO’s advice
who had purchased travel insurance and travelled before the FCO issued its
advice on 25 February 2020 will be covered as normal while in the affected
regions of Italy.
customers with cancellation or curtailment claims arising under valid policies
incepted before 25 February 2020 with pre-booked travel and accommodation to one
of the listed towns above, booked prior to 25 February 2020 will be considered
under the normal terms and conditions. Policyholders will need to provide their
original booking confirmation alongside evidence of cancellation costs and any
who have booked travel to travel to one of the affected towns after 25 February
2020, these claims will be excluded as these were booked after the date the FCO
advised against travel.
who had booked their trip via a tour operator or travel agent or using a credit
card should contact them to see if they can get a refund or have their trip
Please note that this guide of for travellers who
were travelling to one of the listed towns/regions only, and travel to
Italy has not been completely restricted.