Before you do anything else, get in touch with your airline or travel provider to reschedule your trip or sort out a refund.
Many tour operators are offering to refund, or providing credit, for trips booked directly with them, which is certainly handy if you'd like to take the same trip, just at a later date.
Audley Travel, for example, are currently contacting everyone with an upcoming to talk through their options. Intrepid Travel and G Adventures are also among operators that have decided to suspend most of their tours, departing between 16 March and 31 May.
Expect slight delays in response times, as many of these companies will be dealing with an unprecedented amount of claims, calls, and emails.
If you're staying in an Airbnb, you can claim a full refund if you're travelling from a severely affected area, but you can also check out their policy for extenuating circumstances here.
Once you've spoken to your travel provider, then contact your insurance to recover any costs not refunded directly to your account.
It’s highly unlikely that you’ll get a refund if there aren’t any FCO warnings in place, and it may be that you can only rebook your trip for a different time, even with FCO advising against non-essential overseas travel.
That said, check your policy – Dr Jane advises that "medical expenses are generally covered by insurance unless people are travelling against medical advice, against FCO advice or haven’t declared important past medical history or ongoing medical problems. But it is important always to check the small print."
Currently, you'd have a hard time buying any travel insurance. Aviva, Direct Line, Churchill and AXA are among insurers that have stopped selling policies to new customers in light of the outbreak.
Whenever you're purchasing travel insurance in future, make sure to double check the T&C's regarding cancellation cover and travel disruption.