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.

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.

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.

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, emergency, 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.

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.

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

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.

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.).

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.

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.

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.

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.

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.

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.

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. 

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.

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). 

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.

If you have an Atlas Journey or Atlas On-The-Go plan and your policy number starts with a “T,” you may email us at [email protected] to cancel. Please include “Cancellation Request” in the subject line. If your policy number does not start with a “T,” this means you have a travel medical insurance plan, and you may click here for different cancellation instructions.

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.

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

Please allow us 15 business days to review your claim.

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. 

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].

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.

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)