No. If there is no advisory to “avoid non-essential travel” or to “avoid all travel” for your destination, COVID-19 is see like any other medical condition and will be covered up to $5,000,000 by your policy (subject to the other terms, conditions and limitations of the policy). We remind you that any medical condition, declared or undeclared, must have been Stable and Controlled for 3 or 6 months (depending on your age) before the departure to be covered.