Atlas Journey Trip Insurance (2024)

Your core Trip Cancellation benefit can reimburse you for prepaid, nonrefundable trip expenses if you must cancel your trip due to a covered reason. Expenses are paid up to 100% of your insured trip cost and up to the benefit maximum for your plan.

IMPORTANT NOTE: Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.

Plan Features & Maximum Limit (Per Person)

Premier

Preferred

Economy

Trip Cancellation

Up to 100% of trip cost up to $100,000

Up to 100% of trip cost up to $100,000

Up to 100% of trip cost up to $10,000

Trip Cancellation

Single Occupancy
Coverage for increased
travel costs if your travel companion cancels

Yes

Yes

Yes

Single Occupancy

Trip Interruption

Up to 150% of trip cost

Up to 150% of trip cost

Up to 100% of trip cost

Trip Interruption

Travel Delay (5 hours or more)

Up to $200 per day; $2,000 maximum

Up to $150 per day; $2,000 maximum

Up to $100 per day; $500 maximum

Travel Delay(5 hours or more)

Missed Connection

Up to $2,000

Up to $1,500

Up to $500

Missed Connection

Airline Reissue or Cancellation Fees

Up to $500

Up to $500

Up to $250

Change Fee Cancellation

Travel Inconvenience
(Not available for NY or WA)

Up to $150 maximum per event; $750 maximum

Up to $150 maximum per event; $750 maximum

N/A

Inconvenience Benefit

Reinstate Frequent Traveler Awards

Up to $500

Up to $500

Up to $250

Loyalty/Frequent Flyer Miles

Emergency Accident &
Sickness Medical Expense
(For NY policies: Emergency Injury & Sickness Medical Expense; coverage is Primary for all plans)

Up to $150,000
(Primary coverage)

Up to $100,000
(Excess coverage with optional upgrade to primary coverage)

Emergency Accident & Sickness Medical Expense
(For NY policies: Emergency Injury & Sickness Medical Expense; coverage is Primary for all plans)

Dental Expense

Up to $750

Up to $750

Up to $500

Dental Expense

Medical Evacuation &
Repatriation of Remains

Up to $1,000,000

Up to $1,000,000

Up to $250,000

Medical Evacuation & Repatriation of Remains

Baggage Damage or Loss
(Excess)

Up to $500 maximum per article; $2,000 maximum

Up to $500 maximum per article; $1,500 maximum

Up to $250 maximum per article; $1,000 maximum

Baggage Damage or Loss (Excess)

Baggage Delay
(12 Hours or More)

Up to $500

Up to $300

Up to $200

Baggage Delay (12 Hours)

Accidental Death & Dismemberment - 24 Hour

Up to $25,000

Up to $20,000

Up to $10,000

Accidental Death & Dismemberment - 24 Hour

*Waiver of the Pre-Existing Conditions Exclusion

21 days of initial trip deposit

21 days of initial trip deposit

21 days of initial trip deposit

*Waiver of the Pre-Existing Conditions Exclusion

Travel Assistance Services

Included

Included

Included

Travel Assistance Services

*Pre-existing conditions will NOT be excluded from coverage if both the following apply:

• you purchase your Atlas Journey plan within 21 days of the date you made your first payment toward your trip; and
• you are medically able to travel on your coverage effective date.

If you do not purchase your Atlas Journey plan within 21 days of your initial trip payment, a 90-day lookback period will apply to pre-existing conditions. Click into the "Insurance Exclusions" tab above to see what qualifies as a pre-existing condition.

IMPORTANT: Please review the full policy documents for your plan and state of residency for details specific to your coverage.

Optional Upgrades

Add one or more of the following upgrades to your Atlas Journey trip cancellation plan to customize and enhance your coverage. Note that upgrade availability varies by plan level and may vary by state of residency.

• *Cancel for Any Reason - Choose 50% or 75% back for cancellation due to a non-covered reason
• **Interrupt for Any Reason - Interruption coverage for a non-covered reason
• Adventure Sports - Extends coverage to include sports such as safari, bungee jumping, hang gliding, & more
• ***Primary Medical - Makes medical coverage primary, rather than a secondary
• Rental Car Damage and Theft - Adds collision damage waiver, coverage for theft of rental vehicle
• ****Medical Evacuation Upgrade - Doubles medical evacuation coverage and offers evacuation to hospital of your choice
• Pet Care - Adds cancellation coverage for death/critical illness of your dog or cat; vet care if traveling with you
• Baggage Upgrade - Doubles baggage coverage and makes baggage coverage primary, rather than excess
• Rental Accommodations Protection - Interruption coverage if rental is unclean/overbooked or keys are lost
• School Activities - Adds cancellation coverage if student is required to take a test, school year is extended, or sporting event is scheduled
• Hunting and Fishing - Covers equipment and cancellation due to government restrictions
• Destination Wedding - Coverage in case destination wedding is cancelled

*The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York.
**The Interrupt for Any Reason benefit is replaced with Interrupt for Fortuitous Reason in New York.
***Medical coverage is primary for all plans in New York.
****The Medical Evacuation Upgrade is not available in New York.