Consumer Advisory on 2019 Novel Coronavirus (2019-nCoV) Travel Insurance Claims


In light of the current outbreak of the novel coronavirus (2019-nCoV) that was first reported from Wuhan, China, on 31 December 2019, the General Insurance Association (GIA) of Singapore would like to provide an update on how the developing situation affects travel insurance coverage and claims.

Most insurers consider the 2019-nCoV a known event and have issued consumer advisories on travel insurance claims related to or arising from the event.

How This Affects Travel Insurance Policies

Consumers with existing travel insurance policies or claims related to or arising from the event, such as travel cancellation, flight postponement, and trip curtailment, should approach their insurer if they are in doubt about whether a claim is covered in their respective travel insurance policies.

Many travel insurers have issued consumer notices on claims eligibility and consumers are encouraged to keep themselves updated on insurers’ latest consumer advisories.

Claims eligibility can be affected by the following factors:

(1) Cut-off date for coverage – Claims may not be covered if the policy was purchased after a specific date and/or time.

(2) Affected region(s) visited – As the situation develops, cover to other parts of Mainland China may be subject to change.

(3) Reasons for travel disruptions – Insureds should also clarify with their insurer for claims unrelated to or not arising from the 2019-nCoV outbreak.

As the situation evolves, the general insurance sector will continue to review our measures in accordance with guidelines by the authorities and provide updates on consumer advisories.