Trip Protection Insurance Frequently Asked Questions

Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, & Atlas On-The-Go


Find frequently asked questions and answers for your Atlas Journey or Atlas-On-The-Go plan below. If you don't see the question and answer you're looking for, please contact us at:


Within the United States: (866) 400-6090 (toll-free)

Outside the United States: +1 (603) 328-6387 (collect calls accepted)


Customer Service Hours:

 

Travel Assistance Services: 24/7

Policy Sales & Service: Monday - Friday, 8:00 a.m. - 6:30 p.m. EST

Claims Assistance: Monday - Friday, 8:30 a.m. - 5:00 p.m. EST


We're happy to assist you!


IMPORTANT NOTE: Your coverage will vary depending on the plan you choose and your state of residency. Review the policy documents specific to your plan and state of residency for full policy details, conditions, and exclusions.

To see policy documents, for a specific plan, visit the Atlas Journey or Atlas On-The-Go product page. Click the "Policy Documents" tab and use the dropdown to select your state. Then click the link for the policy of your choosing.


Jump to Topic:

How Trip Protection Works

  • What Is Trip Protection Insurance?

    Trip protection insurance is travel insurance designed to protect your trip’s financial investment as you travel domestically or abroad. Designed for U.S. residents, trip protection insurance provides you with reimbursement for lost and stolen baggage, reimbursement for a trip that’s unexpectedly cut short, and medical coverage for unexpected sickness or injury.

    Trip protection insurance may also include a Trip Cancellation benefit that reimburses you for prepaid, nonrefundable expenses (cruise, tours, hotel accommodations, airfare, etc.) if you must cancel your trip due to a covered reason.

    Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy include a Trip Cancellation benefit, while Atlas On-The-Go does not. See the Atlas Journey or Atlas On-The-Go product page for more details.

  • What Are Covered Reasons for Trip Cancellation?

    Some covered reasons for trip cancellation include:

    • A physician recommending that you or your traveling companion cancel your trip due to sickness or accidental injury
    • Sickness or injury of your family member, business partner, service animal, or your traveling companion’s family member that requires medical treatment by a physician
    • Your death or the death of your traveling companion, family member, business partner, service animal, or traveling companion’s family member
    • Severe weather, natural disaster, or strike that causes your common carrier to shut down for 12+ hours
    • Travel advisory or travel alert (level 3 or higher) issued for your destination by the U.S. Department of State
    • A terrorist incident in a city listed on your itinerary within 30 days of your planned arrival

    This is not an exhaustive list. Please visit the Atlas Journey product page to view the policy documents for your plan and state of residency. These documents include a full list of covered reasons for trip cancellation as well as conditions and exclusions.

  • What Are Covered Reasons for Trip Interruption?

    Some covered reasons for trip interruption include:

    • A physician recommending that you or your traveling companion end your trip early due to sickness or accidental injury
    • Sickness or injury of your family member, business partner, service animal, or your traveling companion’s family member that requires medical treatment by a physician
    • Your death or the death of your traveling companion, family member, business partner, service animal, or traveling companion’s family member
    • Severe weather, natural disaster, or strike that causes your common carrier to shut down for 12+ hours
    • Travel advisory or travel alert (level 3 or higher) issued for your destination by the U.S. Department of State
    • A terrorist incident in a city listed on your itinerary within 30 days of your planned arrival

    This is not an exhaustive list. Please visit the Atlas Journey or Atlas On-The-Go product page to view the policy documents for your plan and state of residency. These documents include a full list of covered reasons for trip interruption as well as conditions and exclusions.

  • What Is a Trip Cancellation for Any Reason (CFAR) Benefit?

    The Trip Cancellation for Any Reason (CFAR) benefit is an optional benefit upgrade that reimburses you for a percentage of the unused, nonrefundable, prepaid payments you made toward your trip if you must cancel for any reason not already covered by your Trip Cancellation benefit.

    This benefit upgrade is available when you purchase an Atlas Journey Premier or Atlas Journey Preferred trip protection plan within 21 days of the date your initial deposit for your trip is received. (It is not available for Atlas Journey Economy or Atlas On-The-Go.) You must cancel your trip at least 48 hours prior to your scheduled departure to receive reimbursement via the CFAR benefit.

    Note that the percentage of your trip cost that will be reimbursed depends on your plan and the percentage you choose. Visit the Atlas Journey product page to view the policy documents for your plan and state of residency. These documents provide additional details specific to your plan.

  • How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?

    Visit quote.worldtrips.com/ctp and enter your trip details under “Price My Plan.” Click the “View My Plans” button. On the next page labeled “Choose Your Plan,” click the “Select” button for the Atlas Journey plan you’d like to purchase.

    (Note that you must purchase an Atlas Journey Premier or Atlas Journey Preferred plan to add a Trip Cancellation for Any Reason (CFAR) benefit upgrade. The CFAR upgrade is not available for Atlas Journey Economy or Atlas On-The-Go.) 

    You will add your Trip Cancellation for Any Reason benefit upgrade on the following page labeled “Upgrade Your Plan.” Under the “Cancel for Any Reason” heading, select which percentage of your prepaid, nonrefundable trip expenses (50% or 75%) you would like to be reimbursed if you cancel your trip for any reason 48 or more hours prior to your departure. Then click the “+” sign to add the upgrade to your plan.

    Once this additional coverage is added, you will see it listed in the sidebar under “My Plan.” Note that your plan price will increase with each optional upgrade you add.

    Once you’ve selected all the upgrades you’d like to add to your plan, click the “Next Step” button toward the bottom of the page. Provide the information requested on the “Traveler Information” page and the “Trip Information” page. Then complete the checkout process to finish purchasing your plan.

  • Who Is Considered a "Traveling Companion" for Insurance Purposes?

    A traveling companion is anyone who has coordinated travel arrangements or vacation plans with you and who intends to travel with you during the trip. A group or tour leader is not considered your traveling companion unless you are sharing room accommodations.

  • Who Is Considered a "Family Member" for Insurance Purposes?

    A family member means any of the following:

    • Your or your traveling companion's legal spouse (or common-law spouse where legal)
    • Your, your traveling companion's, your domestic partner's, or your civil union partner's:
      • legal guardian, parent, or ward
      • brother or sister
      • son or daughter
      • grandparent or great-grandparent
      • grandchild or great-grandchild
      • aunt or uncle
      • niece or nephew
      • domestic partner or civil union partner
      • caregiver or child caregiver

    This includes adoptive, foster, step, and in-law relationships.

  • Can I Buy Trip Protection Insurance After Departing on My Trip?

    No, you cannot purchase trip protection insurance after you’ve departed on your trip. You can, however, purchase a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip after you’ve departed on your trip if you are traveling outside of your home country. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits.

    There is no Trip Cancellation benefit included with travel medical insurance plans. Note that you will only be covered for eligible injuries, illnesses, and travel mishaps that occur after your coverage has gone into effect.

  • What Is the Latest Date I Can Purchase Trip Protection Insurance?

    One day before your departure date is the latest date you can purchase Atlas Journey Premier, Atlas Journey Preferred, or Atlas Journey Economy trip protection insurance.

    You can purchase Atlas On-The-Go trip protection insurance the same day you depart for your trip.

    If you need insurance coverage after you’ve departed on your trip and you are traveling outside of your home country, consider a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits. Note that coverage for these plans is only provided for eligible injuries, illnesses, and travel mishaps that occur after your coverage has gone into effect.

  • Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?

    You must be a U.S. citizen or resident with a mailing address in the U.S. to purchase an Atlas Journey or Atlas On-The-Go trip protection insurance plan.

    If you’re not a U.S. resident and you are traveling outside of your home country, consider purchasing a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits. Note that there is no Trip Cancellation benefit included with travel medical insurance plans.

Pre-Existing Medical Conditions

  • What Is a Pre-Existing Condition?

    A pre-existing condition means an illness, disease, or other condition during the lookback 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 lookback 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.

    Your Atlas trip protection plan will not cover pre-existing conditions that existed during the lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.)

    Learn more about pre-existing conditions below or review the policy documents for your plan and state of residency for specific coverage details. Policy documents are located in the “Policy Documents” tab of the Atlas Journey and Atlas On-The-Go product pages.

  • What Is a "Lookback Period"?

    A lookback period is the period of time prior to your effective date of coverage in which we will “look back” to determine whether any pre-existing medical conditions existed during that period. Your Atlas trip protection plan will not cover pre-existing conditions that existed during your lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.)

    The lookback period for the Atlas trip protection plans is 90 days for citizens/residents of most states. See the policy documents for your plan and state of residency for details specific to your plan. You will find these policy documents in the “Policy Documents” tab of the Atlas Journey and Atlas On-The-Go product pages.

  • How Do I Qualify to Have Pre-Existing Conditions Covered?

    Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy will waive the pre-existing conditions exclusion if both the following apply:

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

    Atlas On-The-Go does not offer coverage for pre-existing conditions.

    Review the policy documents for your plan and state of residency for more details. Policy documents are located in the “Policy Documents” tab of the Atlas Journey and Atlas On-The-Go product pages.

Travel Assistance Services

  • What Kinds of Travel Assistance Services Are Included with My Plan?

    Wherever you travel with your Atlas trip protection coverage, 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
    • Language interpretation
    • 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

    See the full list of travel assistance services available to you.

  • What Should I Do If I Experience an Emergency While Traveling?

    Contact us immediately, or as soon as possible, to report a cancellation, interruption, or delayed arrival. You can also contact us if you need assistance with a medical situation. Call (866) 400-6090 (toll free) to reach us within the U.S. or +1 (603) 328-6387 (collect calls accepted) to reach us outside the U.S.

    We recommend keeping your policy ID card on you at all times in case you need to provide proof of your insurance during a medical emergency. Ensure that you save all relevant documents regarding a travel mishap or medical emergency in the event you need to file a claim. Relevant documents could include receipts, itemized bills, medical records, police reports, reports of lost luggage, etc.

    Don’t hesitate to use your plan’s travel assistance services in the event of an emergency while you are traveling. See the travel assistance services available to you.

  • What Information Do I Have to Provide in Order to Purchase a Trip Cancellation Plan?

    You will need the following trip information:

    • Total trip cost
    • Departure date
    • Return date
    • Primary destination
    • Initial trip payment date
    • Final trip payment date
    • Airline (optional)
    • Cruise line (optional)
    • Tour operator (optional)

    You will need the following personal information for each traveler on your policy:

    • First and last name
    • Traveler(s) current age(s) and date of birth
    • Gender (optional)
    • Email address
    • Mailing address
    • City of residence
    • State of residence
    • Postal code
    • Phone number

    You will need the following credit card information to purchase your policy:

    • Name on credit card
    • Credit card number
    • Credit card expiration date (month and year)
    • Credit card security code
  • What Do I Choose as My State of Residence?

    Select the state where you primarily reside as your state of residence. You must be a resident of one of the 50 U.S. states with a mailing address in the selected state in order to purchase an Atlas Journey or Atlas On-The-Go policy.

    Note that all travelers on a single policy must reside in the same state.

  • How Do I Calculate My Total Trip Cost?

    Your total trip cost is the combined cost of all prepaid, non-refundable expenses the insured traveler(s) on the policy will have paid by the time they step out the door to start their trip. This amount includes prepaid airline tickets, cruise expenses, accommodations, and trip extras (such as tours, excursions, event tickets, etc.).

  • What Is Considered My Departure Date?

    Your departure date is the date you will leave your home to start your trip. For example, if you will be leaving your home to begin your trip two days before your flight departs, select the date you will leave your home as your departure date—not the date your flight departs.

  • What Is Considered My Return Date?

    Return date is the date you will return to your home after your trip. For example, if you will be arriving home two days after your flight lands, select the date you will return to your home as your return date—not the date your flight lands.

  • Do I Enter My Current Age or My Age on My Departure Date?

    Enter your current age on the day you purchase your policy. If you are traveling with a newborn or infant less than 1 year old, enter 0 for their age.

  • What Is Considered the Initial Trip Payment Date?

    Your initial trip payment date is the date you made your first payment toward your trip. This includes any deposits paid to a travel agent, airline tickets, payments made to a tour or cruise line operator, or any other payments you made for your travel arrangements.

  • What Destination Do I Choose If I'm Visiting Multiple Destinations?

    You may enter all your planned destinations, or you may enter your primary destination only (the destination where you will spend the most time).

    If you are taking a cruise, enter your first international port of arrival as your destination.

    If you have layovers that are not your primary destination(s), please do not add them as a destination.

    Note that you will be covered if you travel outside of your listed destination(s). Please see the terms and conditions for your plan and state of residency for any restricted destinations for certain benefits and see the Policyholder Holder Notice in your fulfillment regarding U.S Department of the Treasury sanctions.

Managing My Policy

  • When Will My Coverage Become Effective?

    Coverage will begin at 12:01 a.m. EST on your scheduled departure date once we have received your application and full payment.

    Your coverage will end at 12:01 a.m. EST at the completion of the final date chosen.

  • What Should I Do If I Need to Change the Details of My Insurance Plan After I Buy?

    Please contact if you need policy assistance. Call (866) 400-6090 (toll free) to reach us within the U.S. or +1 (603) 328-6387 (collect calls accepted) to reach us outside the U.S. 

  • How Do I Access My Insurance and Policy Documents?

    You will receive your insurance documents via email as soon as your application has been processed and your credit card has been approved—this is typically within a few minutes of purchase. Your insurance documents will explain your benefits and serve as proof of coverage for everyone insured under the policy.

    The email will also include a link to your policy documents. Your policy documents explain each of your benefits in detail. They also include important information about policy exclusions and the free look period.

    You can call us or email [email protected] at any time to request that we resend your insurance documents to your email. To reach us by phone within the U.S., call (866) 400-6090 (toll free). To reach us by phone outside the U.S., call +1 (603) 328-6387 (collect calls accepted). 

    Policy documents for your plan and state of residency can also be accessed at any time via the product page for your plan. See the Atlas Journey product page or Atlas On-The-Go product page. Click the “Policy Documents” tab and select your state. Then click the link for your plan.

  • Where Can I See My Coverage Limits?

    You can find your coverage limits in the insurance documents that you will receive via email upon purchase. You can call us or email [email protected] at any time to request that we resend your policy documents to your email. To reach us by phone within the U.S., call (866) 400-6090 (toll free). To reach us by phone outside the U.S., call +1 (603) 328-6387 (collect calls accepted). 

  • How Do I Cancel My Travel Policy?

    Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, and Atlas On-The-Go each include a free-look period. This is the period after purchase in which you’re eligible for a refund if you decide to cancel your coverage.

    Review the policy documents for your plan and state of residency to see how long your free-look period lasts. You can see policy documents for a specific plan by visiting the Atlas Journey or Atlas On-The-Go product page, clicking the “Policy Documents” tab, and using the dropdown to select your state. Then click the link for the policy of your choosing.

    Please email us at [email protected] if you choose to cancel your policy. Please include “Cancellation Request” in the subject line.

Claims Process

  • How Long Do I Have to File a Claim?

    You must report a claim to us within 30 days of a loss occurring, or as soon as reasonably possible. You or someone on your behalf may provide the notice, which must include enough information to identify you.

    You must provide proof of loss within 90 days of the date or loss, or as soon as reasonably possible. Proof cannot be provided more than 12 months from the time it is otherwise required, except in the absence of legal capacity.

  • How Do I File a Claim?

    Please visit https://cbpconnect.com to submit your comprehensive online claim form, along with documentation to support your claim.

  • What Supporting Documents Should I Include with My Claim?

    Examples of supporting documents are as follows:

    For a Trip Cancellation Claim:

    • Itinerary/invoice for all trip arrangements
    • Proof of payment for trip arrangements
    • Proof of cancellation of all trip arrangements
    • Documentation which supports your reason for cancellation (i.e. completed attending physician’s statement, death certificate and obituary, jury summons, etc.)

    For a Trip Interruption/Travel Delay Claim:

    • Itinerary/invoice for all trip arrangements
    • Proof of payment for trip arrangements
    • Documentation of the date you joined the trip and/or left the trip
    • Receipts and proof of payment for any additional expenses claimed
    • Documentation which supports your reason for cancellation (i.e. medical notes/records, death certificate, evidence of delay or cancellation by your common carrier which includes the reason for the delay or cancellation, etc.)

    For an Emergency Accident & Sickness Medical Expense Claim:

    • Itinerary/invoice for all trip arrangements
    • Itemized invoices
    • Medical notes/records
    • Proof of payment for medical expenses incurred during the trip
    • Explanation of Benefits (EOB) from your primary health insurer (if coverage is excess)

    For a Baggage Damage or Loss Claim:

    • Itinerary/invoice for all trip arrangements
    • A copy of your claim with the carrier that had possession of the items when they were lost/stolen
    • A copy of the resolution of the claim with the carrier
    • Itemized list of all items claimed, including the approximate age/date of purchase for each item claimed and proof of the replacement cost for a similar item from a retailer
    • If loss was the result of theft, a copy of the policy report filed at the time of loss

    For a Baggage Delay Claim:

    • Itinerary/invoice for all trip arrangements
    • Property Irregularity Report (PIR) issued by the common carrier (shows evidence of baggage delay)
    • Documentation of the date your baggage was returned to you
    • Receipts for personal articles purchased while your baggage was delayed
  • How Long Will It Take for You to Review My Claims?

    Please allow us 15 business days to review your claim.

  • How Do I Check the Status of a Claim I've Submitted?

    Please visit https://cbpconnect.com to check the status of your claim. You may also contact us by phone during regular business hours (Monday – Friday 8:30 a.m. to 5:00 p.m.). Call us at (866) 400-6090 (toll free) if you're within the U.S. or +1 (603) 328-6387 (collect calls accepted) if you're outside the U.S. 

  • How Do I Upload Supporting Documentation for a Claim?

    When you file a claim at https://cbpconnect.com, you will see instructions for uploading documents to support your claim. If you are unable to upload your documents using https://cbpconnect.com, you may email the documents to [email protected].

  • How Long Will It Take to Receive Payment for an Approved Claim?

    If your claim is eligible for payment, you will receive an email asking if you would like to receive your payment by ACH or paper check.

    • If you choose to receive payment by ACH: You will be asked to enter your banking information. Payment will be deposited into your account immediately.
    • If you choose to receive payment by paper check: We will mail your check within 3 business days via USPS first-class mail.
  • How Can I Appeal a Denied Claim?

    There is no special form required to file an appeal. If you wish to appeal your claim, you may send us a letter explaining the reason you disagree with the denial of your claim. You will need to include your policy and/or claim number as well as documents that support your claim.

    Email or mail your reasoning, policy/claim number, and supporting documents to:

    Mail:

    Attention: Co-ordinated Benefit Plans, LLC
    On Behalf of US Specialty Insurance Company
    P.O. Box 26222
    Tampa, FL 33623


    OR


    Email: [email protected] (please include “Appeal” in the subject line)



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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: 0G3970