Cruise Insurance

Pre-existing conditions are excluded from coverage unless you meet both of these requirements:

• you purchase your Atlas Journey Elevate 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 the required time period, a 90-day lookback period will apply to pre-existing conditions. View the "Exclusions" section to see what qualifies as a pre-existing condition.

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

Here are a few highlighted 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 added 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.