Atlas Journey Preferred

Upgrade - Primary Coverage: Emergency Accident and Sickness Medical Expense

If you purchase this optional upgrade, the following changes apply:

Under the heading “GENERAL PROVISIONS”, “Emergency Accident and Sickness Medical Expense” is removed from the “Excess Insurance” provision, and added to the “Primary Insurance” provision:

Primary Insurance: Benefits provided under Emergency Accident and Sickness Medical Expense coverage shall be considered primary. This is subject to recovery, as We may pay a claim first and then seek recovery from any responsible third party.

Excess Insurance: Insurance provided by this Policy shall be in excess of all Other Insurance (except for Emergency Accident and Sickness Medical Expense). If, at the time of the occurrence of any other loss, there is Other Insurance in place, We shall be liable only for the excess of any amount paid or payable under Other Insurance. Recover of losses from other parties does not result in a refund of premium paid.