Should have gone to a proper insurer instead of the supermarket

I took out comprehensive travel insurance with Woolworths in early January - before Coronavirus. Have just checked their website in case I cant travel as planned later in the year. They have issued a 'statement' which completely absolves Woolworths of any responsibility to cover this outbreak even though at the time I took out insurance, COVID-19 was an unknown event. Looks like I should have gone to AAMI, Budget, CGU, HBF or another more reputable insurer - who are apparently honouring policies taken out before 21st January.

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