Your travel insurance will not cover any cancellation or disruption claims in relation to the coronavirus (the illness COVID-19) for overseas trips booked after 9am (UK time) on 19th March 2020. This exclusion includes cancellation claims as a result of the UK Foreign and Commonwealth Office (FCO) advice where there is advice not to travel to an area or a particular country.  We will continue to cover any medical claims because of the coronavirus if you are travelling to an area or country where no FCO advice against travel exists.