Your core Trip Cancellation benefit can reimburse you for prepaid, nonrefundable trip expenses if you must cancel your trip due to a covered reason. Expenses are paid up to 100% of your insured trip cost and up to the benefit maximum for your plan.
Some covered reasons for trip cancellation include:
- Sickness, injury, hospitalization, or death
- Terrorist incident or civil unrest in your destination
- Delay or cancellation of common carrier due to strike, inclement weather, natural disaster, or mechanical breakdown
- Cancellation of an event prior to scheduled departure
- Traffic accident while en route to departure
IMPORTANT NOTE: Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.
Plan Features & Maximum Limit (Per Person)
Premier
Preferred
Economy
Trip Cancellation
Up to 100% of trip cost up to $100,000
Up to 100% of trip cost up to $100,000
Up to 100% of trip cost up to $10,000
Trip Cancellation
PremierPreferredEconomy
Up to 100% of trip cost up to $100,000
Up to 100% of trip cost up to $100,000
Up to 100% of trip cost up to $10,000
Single Occupancy
Coverage for increased
travel costs if your travel companion cancels
Yes
Yes
Yes
Single Occupancy
PremierPreferredEconomy
Yes
Yes
Yes
Trip Interruption
Up to 150% of trip cost
Up to 150% of trip cost
Up to 100% of trip cost
Trip Interruption
PremierPreferredEconomy
150% of trip cost
150% of trip cost
100% of trip cost
Travel Delay (5 hours or more)
Up to $200 per day; $2,000 maximum
Up to $150 per day; $2,000 maximum
Up to $100 per day; $500 maximum
Travel Delay(5 hours or more)
PremierPreferredEconomy
Up to $200 per day; $2,000 maximum
Up to $150 per day; $2,000 maximum
Up to $100 per day; $500 maximum
Missed Connection
Up to $2,000
Up to $1,500
Up to $500
Missed Connection
PremierPreferredEconomy
Up to $2,000
Up to $1,500
Up to $500
Airline Reissue or Cancellation Fees
Up to $500
Up to $500
Up to $250
Change Fee Cancellation
PremierPreferredEconomy
Up to $500
Up to $500
Up to $250
Travel Inconvenience
(Not available for NY or WA)
Up to $150 maximum per event; $750 maximum
Up to $150 maximum per event; $750 maximum
N/A
Inconvenience Benefit
PremierPreferredEconomy
Up to $150 maximum per person; $750 maximum per policy
N/A
N/A
Reinstate Frequent Traveler Awards
Up to $500
Up to $500
Up to $250
Loyalty/Frequent Flyer Miles
PremierPreferredEconomy
Up to $500
Up to $500
Up to $250
Emergency Accident &
Sickness Medical Expense
(For NY policies: Emergency Injury & Sickness Medical Expense; coverage is Primary for all plans)
Up to $150,000
(Primary coverage)
Up to $100,000
(Excess coverage with optional upgrade to primary coverage)
Up to $10,000
(Excess coverage)
Emergency Accident & Sickness Medical Expense
(For NY policies: Emergency Injury & Sickness Medical Expense; coverage is Primary for all plans)
PremierPreferredEconomy
Up to $150,000
Up to $100,000
Up to $10,000
Dental Expense
Up to $750
Up to $750
Up to $500
Dental Expense
PremierPreferredEconomy
Up to $750
Up to $750
Up to $500
Medical Evacuation &
Repatriation of Remains
Up to $1,000,000
Up to $1,000,000
Up to $250,000
Medical Evacuation & Repatriation of Remains
PremierPreferredEconomy
Up to $1,000,000
Up to $1,000,000
Up to $250,000
Baggage Damage or Loss
(Excess)
Up to $500 maximum per article; $2,000 maximum
Up to $500 maximum per article; $1,500 maximum
Up to $250 maximum per article; $1,000 maximum
Baggage Damage or Loss (Excess)
PremierPreferredEconomy
Up to $2,000
Up to $1,500
Up to $1,000
Baggage Delay
(12 Hours or More)
Up to $500
Up to $300
Up to $200
Baggage Delay (12 Hours)
PremierPreferredEconomy
Up to $500
Up to $300
Up to $200
Accidental Death & Dismemberment - 24 Hour
Up to $25,000
Up to $20,000
Up to $10,000
Accidental Death & Dismemberment - 24 Hour
PremierPreferredEconomy
Up to $25,000
Up to $20,000
Up to $10,000
*Waiver of the Pre-Existing Conditions Exclusion
21 days of initial trip deposit
21 days of initial trip deposit
21 days of initial trip deposit
*Waiver of the Pre-Existing Conditions Exclusion
PremierPreferredEconomy
21 days of initial trip deposit
21 days of initial trip deposit
21 days of initial trip deposit
Travel Assistance Services
Included
Included
Included
Travel Assistance Services
PremierPreferredEconomy
Included
Included
Included
*Pre-existing conditions will NOT be excluded from coverage if both the following apply:
- you purchase your Atlas Journey plan within 21 days of the date you made your first payment toward your trip; and
- you are medically able to travel on your coverage effective date.
If you do not purchase your Atlas Journey plan within 21 days of your initial trip payment, a 90-day lookback period will apply to pre-existing conditions. Click into the "Insurance Exclusions" tab above to see what qualifies as a pre-existing condition.
IMPORTANT: Please review the full policy documents for your plan and state of residency for details specific to your coverage.
Optional Upgrades
Add one or more of the following upgrades to your Atlas Journey trip cancellation plan to customize and enhance your coverage. Note that upgrade availability varies by plan level and may vary by state of residency.
- *Cancel for Any Reason - Choose 50% or 75% back for cancellation due to a non-covered reason
- **Interrupt for Any Reason - Interruption coverage for a non-covered reason
- Adventure Sports - Extends coverage to include sports such as safari, bungee jumping, hang gliding, & more
- ***Primary Medical - Makes medical coverage primary, rather than a secondary
- Rental Car Damage and Theft - Adds collision damage waiver, coverage for theft of rental vehicle
- ****Medical Evacuation Upgrade - Doubles medical evacuation coverage and offers evacuation to hospital of your choice
- Pet Care - Adds cancellation coverage for death/critical illness of your dog or cat; vet care if traveling with you
- Baggage Upgrade - Doubles baggage coverage and makes baggage coverage primary, rather than excess
- Rental Accommodations Protection - Interruption coverage if rental is unclean/overbooked or keys are lost
- School Activities - Adds cancellation coverage if student is required to take a test, school year is extended, or sporting event is scheduled
- Hunting and Fishing - Covers equipment and cancellation due to government restrictions
- Destination Wedding - Coverage in case destination wedding is cancelled
*The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York.
**The Interrupt for Any Reason benefit is replaced with Interrupt for Fortuitous Reason in New York.
***Medical coverage is primary for all plans in New York.
****The Medical Evacuation Upgrade is not available in New York.
