Atlas Journey Preferred

A.M. Best Rating: A
By: WorldTrips, Underwriter: U.S. Specialty (USSIC)

Atlas Journey Preferred (A.M. Best Rating: A) is a comprehensive trip insurance plan that helps protect your travel investment from unexpected cancellations, medical emergencies, and covered travel disruptions. It combines generous trip protection benefits with emergency medical coverage, making it an excellent choice for international travel, cruises, and family vacations. Coverage is available for trips up to 180 days.

Atlas Journey Preferred does not participate in any PPO network. You can visit any doctor or hospital of your choice.

Atlas Journey Preferred includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 21 days of the initial trip deposit.

Review the Atlas Journey Preferred policy documents for complete coverage details, exclusions, and limitations.

Plan Brochure

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Accident & Sickness

Up to $100000

Rental Car Damage

Optional add-on

Cancel for Any Reason Option

Optional add-on

Trip Delay

Up to $150 per day, $2000 maximum

Medical Evacuation

Up to $1000000

Baggage & Personal Effects

Up to $1500, $500 per item

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 150%

Trip Delay

Up to $150 per day, $2000 maximum

Accident & Sickness

Up to $100000

Medical Evacuation

Up to $1000000

Rental Car Damage

Optional add-on

Baggage & Personal Effects

Up to $1500, $500 per item

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 180 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
Cancel for Any Reason (CFAR) must be purchased within 21 days of initial trip deposit date

Cancel For Work Reasons

Covered

Interruption For Any Reason

Optional Add-on benefit

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $150 per day, $2,000 maximum

Missed Connection

Up to $1,500

Emergency Medical Evacuation & Repatriation

Up to $1,000,000

Cancel For Any Reason

Optional Add-on benefit

Pre-existing Medical

Pre-existing waiver available if purchased within 21 days of initial trip payment

Primary Medical

Optional Add-on benefit

Non-Medical Evacuation

Up to $150,000

Accident & Sickness Medical Expense

Up to $100,000

Dental Expense

Up to $750

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Sports Equipment Delay

Not covered

Sports Equipment Loss

Not covered

Sports & Activities

Optional Add-on benefit

Telehealth Service

Not covered

Baggage & Personal Effects

Up to $1,500, $500 per item

Rental Car Damage

Optional Add-on Coverage Available

Baggage Delay

Up to $300

Accidental Death & Dismemberment

Up to $20,000

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

The insurance company will not pay for any expenses as a result of any illness, disease, or other condition. The exclusion for Pre-Existing Condition will be waived provided: (a) Your payment for the policy was within 21 days of the date of your initial deposit date. (b) You insure all pre-paid trip costs that are subject to cancellation penalties or restrictions. (c) You are not disabled at the time your premium is paid.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by given written consent within the first to occur of the following: (a) 15-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy. If the free look back period has passed, you can only cancel for a covered trip cancellation reason or if you have purchased the optional Cancel for Any Reason benefit.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Atlas Journey Preferred can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

The Atlas Journey Preferred plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Atlas Journey Preferred will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in Atlas Journey Preferred plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

Atlas Journey Preferred offers a Destination Wedding rider that covers cancellation due to the wedding being cancelled, preventing the trip from no longer taking place. The rider must be purchased at the time of application and policyholders should review.

Atlas Journey Preferred has an optional Cancel for Any Reason benefit that can be added to a policy at the time of purchase and must be within 21 days of your initial trip payment date. The optional rider offers either a 50% or 75% coverage option for non-refundable deposits if cancellation is due to a non-covered reason under the policy. Please review your policy terms and conditions for a list of exclusions and restrictions.

Atlas Journey Preferred offers an Adventure Sports rider that covers sports and activities such as safaris, bungee jumping, hang gliding and more. The rider must be purchased at the time of application. Please review your policy terms and conditions for a list of exclusions and restrictions.

Atlas Journey Preferred offers a Primary Medical rider that makes the medical coverage offered under the plan primary, rather than excess coverage. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Rental Car Damage and Theft rider that covers the collision damage and/or theft of your rental vehicle. The policyholder has the ability to choose which days of coverage they will need with theRental Car Damage and Theft rider. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Medical Evacuation Upgrade rider that doubles the medical evacuation coverage in the base plan. The rider also offers the policyholder the choice of what hospital they want to be evacuated to. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Pet Care rider that covers the cancellation of a trip due to the death/critical illness of a policyholder’s pet or the vet car needed for an ill pet if traveling with the policyholder. Not available to VA residents. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Baggage Upgrade rider that doubles the baggage coverage in the base plan. The rider will also make the baggage coverage primary care rather than excess coverage. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Rental Accommodations Protection rider that covers the policyholder for trip interruption if the rental accommodation is unclean and/or overbooked, as well as for any keys lost. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a School Activities rider that covers cancellation if a student is required to attend school for testing, school year extension, or sporting event rescheduled and the trip can no longer take place. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

Atlas Journey Preferred offers a Hunting and Fishing rider that covers equipment and cancellation due to government restrictions, preventing the trip from no longer taking place. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.

If your original payment method is invalid, please contact the insurance administrator directly at 800-605-2282 to update/edit your account details for a smooth refund process during cancellation.

Didn’t find what you are looking for?

Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!

Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.

Ask An Expert

How COVID-19 is Covered Under Atlas Journey Preferred

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

Similar Plans

iTravelInsured Travel LX

Underwriter: US Fire / SiriusPoint America

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $2,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $500,000

Medical Evacuation*

Up to $1,000,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

0/3 selected

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Atlas Journey Preferred

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other