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What Is Not Covered (Atlas Journey Preferred Policy Exclusions)

Benefits are not payable for any loss due to, arising or resulting from:

1. A Pre-existing Condition, as defined in the Policy. Death resulting from a Pre-existing Condition will not be excluded. This Pre-existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage. Waiver of the Pre-Existing Condition Exclusion: The exclusion for Pre-existing Conditions will be waived provided:
  • (a) Your premium for this Policy is received within the Time Sensitive Period; and
  • (b) You are medically able to travel at the time You make Your payment for this Policy;

  • 2. Your suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane;

    3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war;

    4. Participating in maneuvers or training exercises of an armed service or police force of any country;

    5. Riding or driving in races, or speed or endurance competitions or events;

    6. Participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

    7. Participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

    8. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

    9. Being Intoxicated;

    10. The commission of, or attempt to commit, a felony or being engaged in an illegal occupation; 11. Any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;

    12. A loss or damage caused by detention, confiscation or destruction by customs officials;

    13. Any non-emergent treatment or surgery, routine physical examinations, hearing aids, eyeglasses, contacts or any Elective Treatment and Procedures (including any complications arising from);

    14. Any loss occurring during a Trip booked or taken for the purpose or intent of securing Medical Treatment;

    15. Failure of any tour operator, Common Carrier, or other Travel Supplier, person or agency to refund money due to You, or to provide the bargained-for Travel Arrangements (for reasons other than those listed in Trip Cancellation and Trip Interruption;

    16. A mental, nervous or psychological disorder (including the treatment of such condition, unless hospitalized for seventy-two (72) hours or more for that condition while the Policy is in effect for You);

    17. A loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the Policy is not in effect for You;

    18. Curtailment or delayed return for reasons other than the covered events listed in the offered Coverages;

    19. Services not shown as covered;

    20. Directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear, or radioactive weapon device, material, gas, matter or contamination;

    21. Traveling against the advice of a Physician and any loss occurring during such a Trip;

    22. operation of any motor vehicle outside of the proper license required, laws or regulations in the area in which the motor vehicle is being operated.


    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.