How Coronavirus Affects Your Coverage

As the coronavirus outbreak continues to spread, we're working to keep you informed and provide the answers to your travel and coverage-related questions.

Please review the information below if you're currently traveling with an Atlas or StudentSecure policy or you're preparing for an upcoming trip.

What You Need to Know About the Plan Exclusion Applicable to Coronavirus

Atlas Plans

All travel health insurance plans in the Atlas Series contain the following exclusion:

Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:

  • the warning has been in effect within the 6 months immediately prior to your date of arrival, or
  • you fail to depart the country or location within 10 days following the date the warning is issued.

This exclusion applies to charges resulting from COVID-19/SARS-CoV-2.

Where to Review This Information

You will find this information in the "General Exclusions" section of your Description of Coverage (DOC) for your plan. You can find the link to the DOC for your plan in your policy documents or in Client Zone.

You can also access a sample DOC for your plan by choosing from the links below:

StudentSecure Plans

All international student health insurance plans in the StudentSecure Series purchased on or after May 15, 2020 contain the following updated exclusion:

Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person’s health is excluded when, prior to your effective date, any of the following were issued:

  1. The United States Centers for Disease Control & Prevention had issued a Warning/Alert Level 3 or higher for a location or destination, including common carriers; or
  2. The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning/Alert Level 3 or higher

This exclusion is applicable when:

  • any of the above were in effect within 6 months immediately prior to your effective date or
  • within 10 days following the date the alert/warning is issued you have failed to depart the country or location

This exclusion does NOT apply to charges resulting from COVID-19/SARS-CoV-2.

If you purchased your StudentSecure policy on or after May 15, 2020, your StudentSecure plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

If you purchased your StudentSecure policy prior to May 15, 2020, your StudentSecure plan contains the same exclusion as the Atlas Series exclusion above.

Where to Review This Information

You will find this information in the “General Exclusions” section of the Description of Coverage (DOC) for your plan. You can find the link to the DOC for your plan in your policy documents in Client Zone.

You can also access a sample DOC for your StudentSecure plan here:

What Happens If the CDC Issues a Level 3 Travel Warning for My Destination After I’ve Arrived?

IMPORTANT UPDATE: On Friday, March 27, 2020, the Centers for Disease Control and Prevention (CDC) issued a GLOBAL Warning Level 3 - Global COVID-19 Pandemic Notice.

This CDC-issued Global Warning Level 3 affects all countries across the world. The warning is applicable to active policyholders traveling in countries not previously under a CDC-issued Warning Level 3.

Please note that many countries had been under a CDC-issued Warning Level 3 prior to the Global Warning. View the list of countries below, with the specific date for when the CDC issued the Warning Level 3 for each country.

If you’re an active Atlas policyholder and you’re currently traveling or visiting a country that previously was NOT under a CDC-issued Warning Level 3, including the United States, it’s important to know that COVID-19-related medical coverage was only applicable for 10 days following the issuance of the Global Warning Level 3.

After the 10-day window, effective TUESDAY, APRIL 7th, 2020, Atlas coverage began to exclude charges resulting from COVID-19/SARS-COV2 as a result of the CDC-issued Warning Level 3 - Global COVID-19 Pandemic Notice.

Note that StudentSecure plans purchased before May 15, 2020 contain the same exclusion as Atlas plans. StudentSecure plans purchased on or after May 15, 2020 do NOT exclude COVID-19/SARS-CoV-2-related medical charges, unless the charges are subject to another plan exclusion.


List of Countries for Which the CDC Had Issued a Warning Level 3 (“Avoid Nonessential Travel”) PRIOR TO the Global Warning Level 3 on March 27, 2020:

  1. Argentina on March 27, 2020
  2. Australia on March 21, 2020
  3. Brazil on March 21, 2020
  4. Canada on March 21, 2020
  5. Chile on March 23, 2020
  6. All of China on January 27, 2020
  7. Cruise Ship Travel on March 17, 2020
  8. Ecuador on March 24, 2020
  9. Europe on March 11, 2020 1
  10. India on March 24, 2020
  11. Indonesia on March 24, 2020
  12. Israel on March 21, 2020
  13. Italy on February 29, 2020
  14. Japan on March 21, 2020
  15. Malaysia on March 18, 2020
  16. Pakistan on March 23, 2020
  17. Philippines on March 24, 2020
  18. Qatar on March 24, 2020
  19. Republic of Ireland on March 15, 2020
  20. Romania on March 24, 2020
  21. Russia on March 25, 2020
  22. Saudi Arabia on March 24, 2020
  23. Singapore on March 24, 2020
  24. South Africa on March 24, 2020
  25. South Korea on February 24, 2020
  26. Thailand on March 23, 2020
  27. Turkey on March 23, 2020
  28. United Kingdom on March 15, 2020 2

1Countries included in this notice:

  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Monaco
  • San Marino
  • Vatican City

2United Kingdom countries included in this notice:

  • England
  • Scotland
  • Wales
  • Northern Ireland

CDC-Issued Travel Warnings Are Labeled as Follows:

  • Warning Level 3 (Red) - Avoid All Nonessential Travel
  • Avoid all nonessential travel to any destination under a Warning Level 3. According to the CDC, countries under a Warning Level 3 are "of high risk to travelers and no precautions are available to protect against the identified increased risk."
  • Alert Level 2 (Yellow) - Practice Enhanced Precautions
  • Practice enhanced precautions for any destination under an Alert Level 2. Read the details of the alert to learn about specific precautions you should take and whether certain populations are at higher risk.
  • Watch Level 1 (Green) - Practice Usual Precautions
  • Practice usual precautions for any destination under a Watch Level 1. You'll find the usual precautions for this destination on the country's destination page.

PRO TIP: Visit the CDC's "Destinations" page at wwwnc.cdc.gov/travel/destinations/list. Select your destination from the dropdown menu under the "For Travelers" heading. Hit "Go." Follow the tips for recommended vaccines, medicines, bug bite prevention, and more.


Will Atlas and StudentSecure Plans Refund My Trip Costs If I Cancel My Upcoming Trip Due to Concerns About Coronavirus?

No, Atlas and StudentSecure plans do not include a Trip Cancellation benefit. This means you will not be reimbursed for your nonrefundable travel expenses if you choose to cancel your trip.

The Atlas Series plans and StudentSecure plans are travel medical insurance designed to cover unexpected medical expenses and certain emergency travel-related scenarios as you travel or study outside your home country.

Consider Trip Cancellation Insurance

If you’re seeking coverage that would allow you to cancel your trip if a coronavirus outbreak were to occur in your destination country, you need to look for travel insurance or trip cancellation insurance that includes a Cancel for Any Reason (CFAR) benefit.

Tokio Marine HCC – MIS offers trip cancellation insurance in conjunction with Nationwide. These plans are available in 3 levels:

  • Atlas Excursion
  • Atlas Expedition
  • Atlas Enterprise

Atlas Enterprise is the only trip cancellation plan from Tokio Marine HCC – MIS Group and Nationwide that includes a Cancel for Any Reason (CFAR) benefit. You must purchase the plan within 21 days of your initial trip payment date to be eligible for CFAR coverage.


Advice for Travelers

There is not currently a vaccine to help prevent the spread of coronavirus. The U.S. Centers for Disease Control and Prevention (CDC) assert that preventive measures are the best way to avoid exposure to the virus and prevent illness.

Follow These Preventive Measures from the CDC:

  • Wash your hands often with soap and water for at least 20 seconds, especially before eating or after going to the bathroom, blowing your nose, coughing, or sneezing.
  • If soap and water are not readily available, use an alcohol-based hand sanitizer with at least 60% alcohol. Always wash hands with soap and water if hands are visibly dirty.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Avoid close contact with people who are sick.
  • Stay home when you are sick.
  • Cover your cough or sneeze with a tissue. Immediately throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.

Follow These Recommendations from the State Department:

  • Avoid animals (alive or dead), animal markets, and products that come from animals (such as uncooked meat).
  • Follow local authority instructions.
  • U.S. citizens under the potential risk of quarantine by local authorities should not rely upon repatriation flights as an option. U.S. citizens should evaluate the risks associated with choosing to remain in an area that may be subject to quarantine and take the appropriate proactive measures.
  • U.S. citizens are encouraged to monitor media and local information sources and factor updated information into personal travel plans and activities. Closely monitor Travel.state.gov and CDC.gov for important information. You can also follow the U.S. Department of State on Twitter and Facebook.
  • U.S. citizens preparing to travel should enroll in the Smart Traveler Enrollment Program (STEP) to receive updates.

Additional Traveler Advice from Travel Risk Management Company On Call International:

  • Many countries maintain alert systems, such as the U.S. Smart Traveler Enrollment Program (STEP), that allows the embassy to disseminate important information, contact you in an emergency, and track those who may require evacuation. Check with your respective country to sign up for such a program.
  • Multiple independent organizations have released maps detailing the global and regional outbreak of COVID-19. Review Johns Hopkins’ map for global infection rates by country and La Repubblica’s map for infection rates by region within Italy.
  • Consider that many countries have placed restrictions on travelers entering their borders if they have previously traveled to a country with a high rate of COVID-19 infection, including solely through connecting flights.
  • Consider that international airlines are cutting flights to affected areas and commercial flights may become increasingly more difficult to access in the coming weeks.
  • Expect heightened screening procedures to be conducted at transportation hubs such as airports and train stations.
  • If you traveled to a region with a high rate of COVID-19 infections or had exposure to COVID-19—and within fourteen days have become ill with fever, cough, or difficulty breathing—seek medical care promptly.
  • When feeling sick with fever or experiencing other significant symptoms, such as trouble breathing and cough, stay home to avoid exposing anyone else.
  • Do not travel while sick. If you must travel while sick with a respiratory illness, wear a snuggly fitting surgical mask.
  • Practice good cough etiquette by covering your mouth and nose with a tissue or your sleeve when coughing or sneezing. Do not use your hands because subsequent contact of your hands to surfaces or other people can spread the infection.
  • If you’re in an area with a high rate of confirmed COVID-19 cases, avoid large public gatherings in enclosed spaces.
  • Review the CDC’s website and the WHO’s website for the most up-to-date information relating to COVID-19 exposure, risk, and prevention.


Stay Informed

Use these resources from the U.S. Department of State, the U.S. Centers for Disease Control and Prevention, and the World Health Organization to stay updated and informed about the spread of coronavirus and the risks associated with international travel.

Resources from the U.S. Department of State

Resources from the Centers for Disease Control and Prevention (CDC)

Resources from the World Health Organization (WHO)

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.