You were supposed to be going to China, but coronavirus has scared you and you want to cancel. "I have travel insurance," you say to yourself. "No problem."
Not so fast. Even if you have travel insurance, you may not be covered.
The standard wisdom about travel insurance: It covers what has happened to you, not what might happen to you.
Here is a Q&A on what's covered, what's not, in light of the novel coronavirus outbreak that started in December. The World Health Organization on Thursday declared it a public health emergency of international concern. And the U.S. Department of State has raised the threat level to 4 for China: Do not travel. "Travelers should be prepared for travel restrictions to be put into effect with little or no advance notice," the newest warning says. "Commercial carriers have reduced or suspended routes to and from China."
Travelers who had booked trips or are considering them must now face difficult questions, partly because their health and safety could be at risk and partly because their investment in a vacation may be threatened. Here's what we know so far:
