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.