Great wall of China

Atlas
Journey™
Insurance


A Lot Can Happen to Disrupt a Trip Before and After Departure

Protect Your Investment With Atlas Journey Trip Protection Insurance

Atlas Journey is trip protection insurance designed for U.S. residents traveling domestically and abroad. Atlas Journey offers three different plans - Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy - so you can choose the amount of trip protection you need to explore the world. Customize and enhance your coverage by adding optional upgrades.

Atlas Journey Is Designed for U.S. Residents Seeking:

  • Reimbursement for non-refundable trip costs in case of a covered cancellation, interruption, or delay

  • An optional Trip Cancellation for Any Reason (CFAR) benefit upgrade (available for Atlas Journey Premier & Atlas Journey Preferred) 

  • Reimbursement for the cost of lost, stolen, or damaged luggage & personal items

  • Medical coverage for eligible expenses related to unexpected injury or illness, medical evacuation, & COVID-19

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Why Do I Need

Atlas Journey Trip Protection Insurance?

  • Your trip may be canceled, delayed, or interrupted due to factors beyond your control.

  • Your baggage or personal belongings could be delayed, lost, stolen, or damaged.

  • You could get sick or hurt and need medical treatment or an emergency evacuation.

  • Your home country health insurance may not cover you abroad.

  • You may need to supplement your existing health coverage as you travel within the U.S.

Trip Protection

Insurance Benefits

  • Atlas Journey
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

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.

Some covered reasons for trip cancellation include:

  • Sickness, injury, hospitalization, or death
  • Travel health notice or travel advisory issued for your destination
  • Terrorist incident or civil unrest in your destination
  • Delay or cancellation of common carrier due to strike, inclement weather, natural disaster, or mechanical breakdown
  • Cancellation of an event prior to scheduled departure

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 $150,000

Up to 100% of trip cost up to $150,000

Up to 100% of trip cost up to $150,000

Trip Cancellation
Premier Preferred Economy
Up to 100% of trip cost up to $150,000
Up to 100% of trip cost up to $150,000
Up to 100% of trip cost up to $150,000

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

Yes

Yes

Yes

Single Occupancy
Premier Preferred Economy
Yes
Yes
Yes

Trip Interruption

Up to 150% of trip cost

Up to 150% of trip cost

Up to 100% of trip cost


Travel Delay (5 hours or more)

Up to $200 per day; $1,500 maximum

Up to $150 per day; $1,000 maximum

Up to $100 per day; $500 maximum

Travel Delay (5 hours or more)
Premier Preferred Economy
Up to $200 per day; $1,500 maximum
Up to $150 per day; $1,000 maximum
Up to $100 per day; $500 maximum

Missed Connection

Up to $2,000

Up to $1,500

Up to $500

Missed Connection
Premier Preferred Economy
Up to $2,000
Up to $1,500
Up to $500

Airline Reissue or Cancellation Fees

Up to $500

Up to $500

Up to $250

Change Fee Cancellation
Premier Preferred Economy
Up to $500
Up to $500
Up to $250

Travel Inconvenience

Up to $150 maximum per event; $750 maximum

Up to $150 maximum per event; $750 maximum

N/A

Inconvenience Benefit
Premier Preferred Economy
Up to $150 maximum per person; $750 maximum per policy
N/A
N/A

Reinstate Frequent Traveler Awards

Up to $500

Up to $500

Up to $250

Loyalty/Frequent Flyer Miles
Premier Preferred Economy
Up to $500
Up to $500
Up to $250

Emergency Accident &
Sickness Medical Expense

Up to $150,000
(Primary coverage)

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

Up to $25,000

(Excess coverage)

Emergency Accident & Sickness Medical Expense
Premier Preferred Economy
Up to $150,000
Up to $100,000
Up to $25,000

Dental Expense

Up to $750

Up to $750

Up to $500

Dental Expense
Premier Preferred Economy
Up to $750
Up to $750
Up to $500

Medical Evacuation &
Repatriation of Remains

Up to $1,000,000

Up to $1,000,000

Up to $250,000

Medical Evacuation & Repatriation of Remains
Premier Preferred Economy
Up to $1,000,000
Up to $1,000,000
Up to $250,000

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)
Premier Preferred Economy
Up to $2,000
Up to $1,500
Up to $1,000

Baggage Delay
(12 Hours or More)

Up to $500

Up to $300

Up to $200

Baggage Delay (12 Hours)
Premier Preferred Economy
Up to $500
Up to $300
Up to $200

Accidental Death & Dismemberment - 24 Hour

Up to $25,000

Up to $20,000

Up to $10,000

Accidental Death & Dismemberment - 24 Hour
Premier Preferred Economy
Up to $25,000
Up to $20,000
Up to $10,000

*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
Premier Preferred Economy
21 days of initial trip deposit
21 days of initial trip deposit
21 days of initial trip deposit

Travel Assistance Services

Included

Included

Included

Travel Assistance Services
Premier Preferred Economy
Included
Included
Included


*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.


  • Trip Cancellation for Any Reason - Choose 50% or 75% back for cancellation due to a non-covered reason
  • Trip Interruption for Any Reason - Interruption coverage for a non-covered reason
  • Destination Wedding - Coverage in case destination wedding is canceled
  • Adventure Sports - Extends coverage to include sports such as safari, bungee jumping, hang gliding, & more
  • Primary Coverage: Emergency Accident and Sickness Medical Expense - Makes secondary medical coverage primary, rather than a secondary
  • Security/Terrorism - Extends time frame for a covered cancellation due to a terrorist incident in a planned destination to 60 days before departure; adds kidnap and ransom coverage and political evacuation coverage
  • Rental Car Damage and Theft - Adds collision damage waiver, coverage for theft of rental vehicle
  • Medical Evacuation Hospital of Choice and Increased Maximum Benefit Limit- 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
  • Primary Coverage: Baggage Damage or Loss - Doubles baggage and baggage delay coverage and makes baggage coverage primary
  • Vacation Rental Accommodations - Interruption coverage if rental is unclean/overbooked or keys are lost
  • Additional Covered Events for Academics, Sporting Events, Volunteer and Mission Programs - Adds cancellation coverage if student is required to take a test, school year is extended, or sporting event is scheduled
  • Hunting and Fishing Activities- Covers equipment and cancellation due to government restrictions

Select your state of residency and choose an Atlas Journey plan to see its full policy documentation. Note that some benefits, limits, and exclusions vary depending on your state of residency and the plan you choose.



View Atlas Journey Premier plan policy documents for Alaska

View Atlas Journey Preferred plan policy documents for Alaska

View Atlas Journey Economy plan policy documents for Alaska

Unfortunately, at this time there are no plans available for residents of your state who are traveling within the U.S.

Certain types of expenses are excluded from coverage under Atlas Journey travel insurance. Some exclusions are listed below. Please refer to the full policy documents for your chosen plan and state of residency for a complete list of conditions and exclusions.

Some Exclusions:

  • Charges resulting from a *pre-existing condition - unless you qualify for a waiver of the pre-existing condition exclusion (note that the pre-existing condition exclusion does not apply to the Emergency Medical Evacuation benefit or Repatriation of Remains benefit)
  • Traveling against the advice of a physician
  • Treatment for mental, nervous, or psychological disorders (unless hospitalized for 72 hours or more for the condition while your policy is in effect)
  • Participating as a member of a team in an organized sports competition or as a sporting professional
  • Participating in bodily contact sports, extreme sports, and certain adventure sports excluded under your policy (unless the sport is covered under the optional Adventure Sports upgrade and you've elected to add this coverage to your plan)

*Pre-existing condition means an illness, disease, or other condition during the 90-day period immediately prior to your effective date of coverage for which you:

  1. received a test, examination, or medical treatment;
  2. received a recommendation for a test, examination, or medical treatment; or
  3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or **change in the required prescription throughout the 90-day period before your coverage effective date.

**Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that's being treated with the medication, unless the change is:

  1. between a brand name and a generic medication with comparable dosage; or
  2. an adjustment to insulin or anti-coagulant dosage.


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Travel Assistance Services

Included In Your Atlas Journey Plan

Wherever you travel with your Atlas Journey travel insurance, you can rest easy knowing you have access to multilingual travel assistance services 365 days a year.


Some travel assistance services include:


  • Worldwide travel, medical, and emergency assistance
  • Political and security assistance
  • Pet assistance
  • Concierge services
  • Embassy and consular service
  • Medical referrals
  • Translator or interpreter referral
  • Assistance with lost or stolen luggage and personal items
  • Coordination of personal effects collection and return
  • Search and rescue coordination
  • Assistance with return of minor children
  • Arrangements for aircraft and car return

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WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States.