Atlas
On-The-Go®
Insurance

Certain types of expenses are excluded from coverage under Atlas On-The-Go trip protection insurance. Some exclusions are listed below. Please refer to the Atlas On-The-Go policy documents for your state of residency for a complete list of conditions and exclusions.

Some Exclusions:

• Charges resulting from a *pre-existing condition (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)
• Participant 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 (see Atlas On-The-Go policy wording for your state of residency for more details)

*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 adjustments or **change in the required prescription through the 90-day period before you 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.