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.
Atlas
Journey®
Insurance
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
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.
Why Do I Need
Atlas Journey Trip Protection Insurance?
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Your trip may be canceled, delayed, or interrupted due to factors beyond your control.
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Your baggage or personal belongings could be delayed, lost, stolen, or damaged.
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You could get sick or hurt and need medical treatment or an emergency evacuation.
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Your home country health insurance may not cover you abroad.
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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
Some covered reasons for trip cancellation include:
- Sickness, injury, hospitalization, or death
- 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
- Traffic accident while en route to 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 $100,000
Up to 100% of trip cost up to $100,000
Up to 100% of trip cost up to $10,000
Trip Cancellation
Premier
Preferred
Economy
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
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
Trip Interruption
Premier
Preferred
Economy
150% of trip cost
150% of trip cost
100% of trip cost
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)
Premier
Preferred
Economy
Up to $200 per day; $2,000 maximum
Up to $150 per day; $2,000 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
(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
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
(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)
Up to $10,000
(Excess coverage)
Emergency Accident & Sickness Medical Expense
(For NY policies: Emergency Injury & Sickness Medical Expense; coverage is Primary for all plans)
Premier
Preferred
Economy
Up to $150,000
Up to $100,000
Up to $10,000
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.
- *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.
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:
- received a test, examination, or medical treatment;
- received a recommendation for a test, examination, or medical treatment; or
- 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:
- between a brand name and a generic medication with comparable dosage; or
- an adjustment to insulin or anti-coagulant dosage.
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 24/7.
Some travel assistance services include:
- Worldwide travel, medical, emergency, 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. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.
In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705