Salman Haqqi, personal finance expert at, said: "If you're concerned about travelling due to the coronavirus outbreak in the destination you're flying to and want to cancel your trip, you must check with your insurer first. Many will only cover you if the FCO advises against travel to your destination, as they have done with China.

"If your trip is cancelled you should be covered by ATOL protection for your flights, accommodation and car hire, if they were part of a package deal.

"If you booked with a credit card you will have additional protection under Section 75 of the Consumer Credit Act, which means your credit card company will cover you for amounts from 100 to 30,000 if applicable.

"If you booked with a debit card, don't worry as you may be able to make a claim using the Chargeback scheme.

"Taking out travel insurance while you book your trip is vital. If something happens ahead of travel and you don't have insurance, you won't be able to make a claim or get insurance to cover this."

"For those worried about travelling to an area that may be affected by the coronavirus outbreak, please check the FOC website for advice before you travel."

Concerned traveller checklist

  • Take out travel insurance whilst booking your trip

  • Visit the FCO website and check their advice on your destination

  • Check with your travel insurance provider about the level of cover you have

  • Contact your credit card company or bank if you do have to cancel as you may be covered under Section 75 or the Chargeback scheme

Click these links for more information on Section 75 cover and how to make a chargeback claim.