You actually have to be sick and/or be a high-risk person and have doctor's orders not to travel. Or be hospitalized, have a funeral for an immediate family member, be ordered by your employer not to travel, etc. You have to be legitimately unable to travel. Travel insurance doesn't cover fear, and that's what this is right now - fear. If proper precautions are taken and you are a low risk person (relatively young, healthy, no underlying health conditions), the risk to you is low and the effects of the virus are minimal. As others have said, the risk isn't to most people, it's spreading it to the small population of high-risk people. I disagree with this a lot. I have a really high threshold for bowing to this sort of thing. I've traveled despite warnings through numerous situations like this and "terror alerts" a few summers ago when people were abandoning Europe at a feverish pace. Yes, it's unlikely that a member of the low-risk population will die but that doesn't say anything about the 70 year old on your flight, the numerous people you come in contact with, or the fact that once you come back home your kids go back to school, and you go back to work, and you spread this thing like wildfire. That you can carry it for weeks and never experience real symptoms is pretty scary. This will sound harsh, but I believe that right now, until we know more about this thing, traveling is really selfish and irresponsible. I'm bummed my spring break vacation is over but I am risking exposing local schools to this needlessly. The airlines are bending a lot of their policies to issue refunds and waive fees. There are two sides of stupidity here; those buying 16 packs of Charmin and those pretending this isn't serious - not that you were doing that. Edit: So maybe we don't really disagree, but I think there's more to this than just fear.