There is no single answer as each policy is different – some will cover you for natural disasters, terrorism or viral outbreaks and others won’t. You’ll need to read the key facts and policy documents to be sure for your own specific policy and cover level.
Important – Insurers will not provide insurance if you are travelling to a country where the Foreign, Commonwealth & Development Office (FCDO) have advised against travel. For advice on countries not to travel to and for global information prior to travel visit the FCDO website.