International Major Medical PIU

This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.

Base AD&D Coverage	Additional AD&D Coverage Available	Total AD&D Coverage Amount
$25,000	$25,000	$50,000

This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.

Base CR Coverage	Additional CR Coverage Available	Total CR Coverage Amount
$10,000	$90,000	$100,000

This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.

Base PL Coverage	Additional PL Coverage Available	Total PL Coverage Amount
$10,000	$90,000	$100,000

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.Please see brochure for exclusions and restrictions.

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000

Consider this option if the insured is going to participate in hazardous sports activities. Please see brochure for exclusions and restrictions.

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.

Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

Unlike most riders, Device Protection Coverage is sold for each Traveler independently.

Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.

COVERAGES	MAXIMUM BENEFIT
Trip Cancellation	100% of Trip Cost
Trip Interruption	125% of Trip Cost
Travel Delay	$2,000/$250 (Per Day)
Accidental Death & Dismemberment Air Flight Only	$10,000