Atlas Journey Preferred

Upgrade - Hunting and Fishing Activities

If you purchase this optional upgrade, the following coverage change applies: 

The following Unforeseen reasons are added to Your TRIP CANCELLATION Benefit: 

“Outfitter or Guide” is added as a covered person for the first two Unforeseen reasons, as shown below: 

(1) Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s, a Service Animal’s or Your Outfitter or Guide’s death that occurs prior to departure on Your Trip. Losses due to the death of Your Outfitter or Guide are only covered if no substitute is available; 

(2) Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s, a Service Animal’s or Your Outfitter or Guide’s covered Sickness or Injury that: (a) occurs before departure on Your Trip; (b) requires Medical Treatment by a Physician at the time of cancellation; and (c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business. Loss due to the Sickness or Injury of Your Outfitter or Guide are only covered if no substitute is available; 

(ss) the U.S. government or local government issues a hunting or fishing activity restriction after Your Effective Date at Your destination that prohibits Your planned hunting or fishing activity which was the sole or primary purpose for Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal; 

The following Unforeseen reasons are added to Your TRIP INTERRUPTION Benefit: 

“Outfitter or Guide” is added as a covered person for the first two Unforeseen reasons, as shown below: 

(qq) Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s, a Service Animal’s or Your Outfitter or Guide’s death that occurs prior to departure on Your Trip. Losses due to the death of Your Outfitter or Guide are only covered if no substitute is available; 

(rr) Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s, a Service Animal’s or Your Outfitter or Guide’s covered Sickness or Injury that: (a) occurs before departure on Your Trip; (b) requires Medical Treatment by a Physician at the time of cancellation; and (c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business. Loss due to the Sickness or Injury of Your Outfitter or Guide are only covered if no substitute is available; 

(ss) the U.S. government or local government issues a hunting or fishing activity restriction after Your Effective Date at Your destination that prohibits Your planned hunting or fishing activity which was the sole or primary purpose for Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal; 

Additional Baggage Delay benefits are available as reflected in the Upgrade’s Maximum Benefit Amount shown in the Schedule of Benefits. 

The following Benefit is added to Your Policy up to the Maximum Benefit Limit shown in the Schedule of Benefits: 

SPORTSMAN’S EQUIPMENT RENTAL 

We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the reasonable costs paid to rent substitute Sportsman’s Equipment during Your Trip, if Your Sportsman’s Equipment is stolen, damaged, or destroyed by a third party, or lost or delayed for twelve (12) hours or more by a Common Carrier. Benefits under this coverage are only payable if You have taken reasonable steps to protect, save and/or recover Your property at all times. 

A police report is required if Your Sportsman’s Equipment is stolen. Documentation from the Common Carrier or responsible third party is required for proof of damage, delay or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost Sportsman’s Equipment must be provided along with proof of loss providing the amount of loss, date, time and cause of loss. 

Under the heading “DEFINITIONS”, the following is added: 

Outfitter or Guide means a person who accepts fees or other compensation directly or through an employer to lead, instruct, train, pack, guide or otherwise assist people in outdoor sporting activities such as rafting, biking, hiking, hunting, fishing or recreational or educational pursuits, and is assigned specifically to arrangements during Your Trip. 

Sportsman’s Equipment means:

1. hunting equipment including, but not limited to: guns, bows and arrows; 
2. fishing equipment including, but not limited to: rods, reels and tackle; 
3. and any other similar gear or equipment utilized by You for similar activities during the Trip. 

This includes such equipment that You plan to use on Your Trip whether owned, borrowed or rented.