Barclays Travel Pack Insurance - Coronavirus I think I'm covered, any advice?

74LJ

Hi
I'm travelling in April, the city airport that I transit through has defined cases and the city I'm staying in has defined cases.  Not many in each and no advice not to travel by FCO.
My Barclays Travel Pack Insurance states the detail below, customer services talked about FCO advice, but this doesn't mention FCO:

"We will pay for costs that each insured person has paid, and cannot get back, or which legally have to be paid for their own personal travel and accommodation (including excursions and unused kennel, cattery or professional pet sitter fees up to a maximum of £250) if, after you added the Travel Pack to your Qualifying Account or booked your trip, (whichever is later), you unavoidably have to cancel your trip for one of the reasons below:

If one of the following events occurs or prevents you from travelling within 31 days of your scheduled departure date:
a. an avalanche, earthquake, explosion, fire, flood, landslide, severe/adverse weather renders your pre-booked accommodation unreachable or uninhabitable.
b. a Foreign and Commonwealth Office advisory notice is in place advising against all travel or all but essential travel to your destination is still in place. Or you choose not to travel because:
c. your accommodation is directly affected by a food poisoning outbreak, or the area in which you are staying is affected by a pandemic or epidemic influenza.
d. a major incident such as a terrorist attack happens within a 50 mile radius of the area in which you will be staying and you do not wish to travel. "

From this I'm taking that if there is one case in any of the cities I transit through then the "area is affected by epidemic influenza"
Thoughts? Thanks!!!