If the Insured's injuries or illnesses result in expenses shown below, we will pay for the "Necessary" medical treatment up to the "Usual" and "Customary" charge for such expense incurred within 365 days from the date of the accident. The first expense must be incurred within forty-eight hours of the date of the incident if for a covered accident.

Such expense must be for:

a) treatment by a "Physician"; or

b) medical services in a "Hospital"; or

c) the use of a ground ambulance within forty-eight hours of the covered accident; or

d) in the event of an emergency, treatment of natural teeth for the relief of sudden and acute pain

Such expenses must be in excess of the deductible amount (if any), but not more than the maximum amount shown in the schedule of benefits.

We will not pay for:

(A) hernia, however caused; or

(B) services or treatment given by any person employed or retained by you; or

(C) experimental procedures; or

(D) cosmetic surgery or procedures; or

(F) medical expenses for which the Insured is entitled to benefits under any worker's compensation act; or

(G) any surgical or medical treatment which can reasonably be delayed until your return to your usual place of domicile; or

(H) any treatment or medication which at the time of departure is known to be required to be continued during the trip; or

(I) the cost of dentures, dental appliances, false limbs, hearing aids, contact or corneal lenses or spectacles (prescription or otherwise); or

(J) any repatriation costs not authorized by (The Atlas Club Inc); or

(K) the additional cost of a single or private room at a hospital, clinic or nursing home except when the physician treating the Insured Person considers it necessary.

EMERGENCY MEDICAL EVACUATION / REPATRIATION

The term "Necessary" means medical treatment that is vital and required for the treatment of a covered accident or illness.

The term "Usual" charge means the fee regularly charged.

The term "Customary" charge means a charge that does not exceed the general level of charges made by the providers of the same type of training and experience when furnishing the usual treatment for a similar condition. The "locality" where the charge is made will also be considered.

The term "Locality" means a county or such greater area as is needed to represent a cross section of providers giving the type service or supplies for which the charge was made.

The term "Home Country" means the Insured’s permanent place of residence.

The term "Physician" means a person licensed in the healing arts acting within the scope of his or her license.

The term "Hospital" means an institution that meets all of the following requirements:

(1) It is properly accredited and where required by law, holds a license as a Hospital; and

(2) it operates mainly for the care and treatment of sick or injured persons as inpatients; and

(3) it provides twenty-four hours a day nursing care by Registered Nurses; and

(4) it has a staff of one or more Physicians available at all times; and

(5) it provides organized facilities for diagnosis and surgical procedures; and

(6) it is not primarily a clinic, nursing home or convalescent home or similar place of business; and

(7) it is not mainly a place for treating alcoholics or drug addicts.

With respect to outpatient surgery, or diagnostic testing, an ambulatory surgical center or a clinic will be considered as a Hospital. Such facility must be properly accredited and where required by law, hold a license allowing the facility to operate as such.

The term "Immediate Family" means the Insured's spouse, domestic partner, brothers, sisters, parents and in-laws, limited to brothers, sisters, parents and dependent child, defined herein.

The term "dependent child" means the Insured's natural child, spouse's child, or legally adopted child who is not over the age of 23.

The term "domestic partner" means a person designated by and listed as a Domestic Partner on the account of the Insured, who is a least 18 years of age, and who during the past 12 months: 1) has been in a committed relationship with the Insured; and 2) has been the Insured’s sole spousal equivalent; and 3) has resided in the same household as the Insured; and 4) has been jointly responsible with the Insured for each other's financial obligations, and intends to continue the relationship described indefinitely.

These Benefits apply only to those Insureds who are in a Class to which such Benefits apply as shown in item (6) of Section I.

BAGGAGE DELAY

In the event that the Insured’s checked baggage is delayed by a common carrier for twelve hours or more from the actual time of arrival at the Insured's final destination, we will reimburse expenses incurred up to the amount listed in the schedule of benefits excess of any reimbursable expenses incurred by the common carrier.

BAGGAGE/CREDIT CARDS/TRAVEL DOCUMENTS & MONEY LOSS

For accidental loss of or damage to the Insured’s checked baggage by a common carrier we may choose to replace, repair, or pay for the loss after making allowances for depreciation and wear and tear. We will pay up to the amount listed on the schedule of benefits excess of any reimbursable expenses incurred by the common carrier.

We will pay for the non-recoverable cost of replacing travel documents, credit cards and travelers cheques taken with the insured on The Journey.

We will pay for the Insured’s legal liability for payment amount arising out of unauthorized use of their travel documents, credit cards and travelers cheques, following theft during The Journey by any person not related to the insured.

We will pay for the accidental loss due to theft of cash, bank or currency notes, cheques, postal or money orders or petrol coupons taken with the insured on The Journey for the Insured’s personal use. The maximum amount we will pay is limited to $200.

The necessary and unavoidable abandonment of the trip for the Insured following a covered accident, sickness or death to the Insured or an immediate family member or travelling companion with whom the Insured was travelling when the incident occurred, resulting in written medical advice by a qualified medical practitioner to either return to the usual place of domicile or to attend a local hospital as an inpatient as authorized by The Atlas Club Inc. In no event will we pay more than the amount listed on the schedule of benefits under this benefit.

We will pay Travel Agents cancellation fees of up to $100 if incurred. In the event of financial collapse or default of any service provider. Our payment will be limited to the amount outstanding following recovery by the insured from any statutory fund or compensation scheme or other source which is not a contract of insurance. In no event will we pay more than the amount listed in the Schedule of Benefits under this benefit.
Where emergency air evacuation is provided by an alternate carrier travellers who are not able to complete their journey home through the default must avail themselves of any rescue offer made by an alternate carrier(s) to bring them back to their usual place of domicile at the least cost and within the timetable set by the alternate carrier(s). Passengers who have connections to other non-defaulting carriers as part of their itinerary should contact their travel office.
Where the default service provider is other than an airline carrier the insured will be provide with alternate arrangements.
In no event will we pay more than the amount listed on the schedule of benefits under this benefit.

We will not pay for any loss as a result of:

(1) Loss or theft of money, jewelery,  cameras, electronic equipment, sporting equipment, eyewear prescription or lenses, sunglasses, personal care items, hair dyers, shavers, travel documents and other valuables stored in luggage placed in the baggage or cargo holds of aircraft, ships, trains, buses or other public transport including taxis, placed in unaccompanied baggage, or left in unattended accommodation rooms, restaurants or other public places unless placed in a locked safe or deposited with a security service at the reception desk.
(2) Loss or theft of cellphones (mobile phones) camera equipment, computers and notebook computers.

If a benefit is payable under the Accidental Death Benefit under this Policy in respect to the Insured, we will pay in addition to all other Benefits for the preparation and transportation of the Insured's remains or ashes back to the usual place of domicile. In no event, will we pay more than the amount listed on the Schedule of Benefits under this benefit. This benefit must be authorized by The Atlas Club Inc.

We will pay the appropriate Benefit if the Insured:

(1) is exposed to the elements due to an accident covered by the policy; and
(2) sustains a loss for which a Benefit would otherwise be paid under the policy.

We will presume death due to an injury to the Insured if:

(1) the Insured's body is not found within one year from the date of an aircraft accident, sinking or wrecking of any other conveyance in which he or she was a passenger; and

(2) if the aircraft accident or other event or accident is covered by the policy.

We will not pay for any loss as a result of:

(1) a pre-existing condition. This limitation precludes coverage for those medical conditions that manifested themselves, became acute, or were being treated in the 90 days before coverage goes into effect. However, the Insured may have a condition that requires that the Insured take medication. Unless the condition for which the prescribed drugs or medicine is unstable or there has been a change in the required prescription it will not be considered pre-existing. In other words, unless the Insured has a new medical condition or one that has recently flared-up, or the Insured has had a change in the Insured's required medication, the policy will provide coverage. ~(Example: I have high blood pressure and take medication on a daily basis. Will I be covered? So long as You have not had a change in the required medication and Your high blood pressure is under control during the 90 days before the coverage goes into effect, You will be covered.)~;

(2) Any physical defect, condition, illness or disease for which any immediate family member, travelling companion or any other person whose state of health will effect the Insured’s Journey has to the knowledge of the Insured received or been prescribed treatment, medication or advice (including investigation) by a medical or dental practitioner in the 90 days prior to the period of Journey.

(3) war or any act of war;

(4) serving in one of the armed forces of any country or international authority;

Note 1: If the Insured becomes a member of such armed forces during the policy term, upon receipt of written notice, we will refund pro rata the unearned premium.

Note 2: This exclusion (3) does not apply to an Insured who is:

(a) a member of an armed force reserve corps or National Guard unit; and

(b) in attendance at an authorized active or inactive duty training session or other active duty that is less than 30 days;

(5) riding as a passenger or otherwise in any flying device, other than a licensed commercial common carrier aircraft:

(a) other than as provided in Section II, Coverage;

(b) owned by Insured or the employer or sponsor of any Insured other than as provided in item (8), of Section I;

(c) operated by Insured or the employer or sponsor of any Insured other than as provided in item (8), of Section I;

Note: The term "operated" by the Insured or the employer or sponsor of any Insured shall mean any non-owned aircraft borrowed, leased or rented for a period of either 10 straight days or 20 days per year.

(d) not having a valid and current Standard Airworthiness Certificate issued by the proper authority;

(e) whose pilot is not properly licensed; or

(f) on a flight which requires a special permit or waiver from the authority having control over civil aviation even though granted.

Note: A permit which is given to fly over or land on a territory is not a special permit.

(g) being used for other than transportation purposes, such as but not limited to:

(6) hernia;

(7) intentionally self-inflicted injury, or injury due to: acts of war, suicide, violating or attempting to violate the law, fighting or brawling except in self defense, or loss in consequence of being intoxicated or under the influence of any drugs or narcotic unless administered by or on the advice of a physician;

(8) taking part in a riot or civil disturbance;

(9) deliberate exposure to exceptional danger except in an attempt to save human life;

(10) fighting or from a firearm or knife or any other lethal instrument during a fight unless provoked;

(11) the Insured fighting or brawling, except where provoked;

(12) the Insured is operating a motor vehicle and does not have a current and valid operator's license (except in a Driver's Education Program);

(13) this insurance also excludes any claim arising directly or indirectly where at the time of taking out the insurance the Insured whose condition gives rise to a claim is expected to give birth within two months from the date of a covered trip, is receiving or on a waiting list for inpatient hospital or clinic treatment, is travelling against the advise of a medical practitioner or for the purpose of obtaining medical treatment abroad, or has received a terminal prognosis;

(14) taking part in any scheduled athletic event;

(15) the benefits under this policy are all secondary to any other insurance under which the Insured Person has coverage.

(16) The non-refundable unused portion of travel or accommodation arrangements where alternative travel or accommodation is paid for by Us as part of a claim under this Policy.

(17)  A: Australian Members

Medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred by Australian residents or other persons who are eligible persons under the health Insurance Act 1973 or who qualify by way of reciprocal health arrangements with Australia or otherwise for National Health Benefits.

B: New Zealand Members

The cost of private medical treatment when public care or treatment is available under any reciprocal health agreement between the Government of New Zealand and the Government of any other country.

Costs related to any personal injury, medical misadventure or work injury to the extent that You are covered or entitled to be covered by an ACT of PARLIAMENT.

(18) Medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred more than 24 months after the accidental injury or illness which is the subject of the claim, first occurred.

(19) Sexually transmitted disease of any sort, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Related Complex (ARC) or Human Immunodeficiency Virus (HIV).

(20) Any potentially fatal condition which has been diagnosed before the Certificate of Cover was issued, or any condition for which the Insured is traveling to seek medical or other treatment.

(21) Expenses incurred for continuing treatment including any medication commenced prior to the date Your Certificate of Cover was issued, and which You have been advised to continue during The Period of Journey.

(22) Expenses incurred for dental treatment due to normal wear and tear, or the normal maintenance of dental health.

(23) Claims arising from delays caused by carriers or re-scheduling.

(24) Claims arising from any business commitment, financial or contractual obligation, including those of any travelling companion or Immediate Family Member, except for the Insured being retrenched from their usual full time employment in their country of residence.

(25) Claims arising from the inability of any tour operator or wholesaler to complete arrangements for any tour due to a deficiency in the number of people required to commence any tour or Journey.

(26) Scratching or breakage of fragile or brittle items. This exclusion does not apply to photographic or video equipment, binoculars, spectacles or contact lenses.

(27) Damage or loss arising from wear and tear, deterioration, or losses caused by atmospheric or climatic conditions, mould, or fungus, insects, rodents, vermin or any process of cleaning, ironing, repairing, restoration or alteration.

(28) Baggage, personal effects, travel documents, or money left in an unlocked and unattended vehicle or building.

(29) Unaccompanied baggage or unaccompanied personal effects, or unaccompanied travel documents or money or baggage, or personal effects, or travel documents or money shipped under any freight agreement, or items sent by postal or courier services.

(30) Personal jewellery, cell phones, laptop computers, watches, cameras or other goods not forming part of the travellers personal luggage or duty free goods above the allowable value for importation under the duty free allowance of the respective country.

(31) Any goods that are intended for sale or trade or losses due to devaluation or depreciation or currency.

(3) PREMIUM:  Premiums due for the policy shall be remitted to us as shown in item (3) of Section I.

(4) GRACE PERIOD: There is a 31 day grace period for late payment of each premium after the first one. The grace period starts on the premium due date. Premium will accrue during this grace period, and you are liable for such premium. There is no grace period if we advise you in writing that we are not going to renew the policy. This notice will be given at least 30 days before the premium due date. Our notice in writing will be mailed or delivered to your last address shown in our records.

(5) EXAMINATION AND AUDIT: We have the right to examine your records relating to this policy. We may do this at any time during the policy term. We may also do this within three years after the policy ends.

(6) EFFECTIVE AND TERMINATION DATES OF INDIVIDUAL INSURANCE:

Effective Date: Coverage becomes effective 12:01am on the day after The Club receives the Insured’s initial payment for The Journey.

Termination Date: All coverage ends on the earlier of (a) the date the trip is completed; (b) the Insured’s arrival at the return destination on a round trip, or the destination on a one way trip; (c) cancellation of The Journey covered by the policy. All coverage under the policy will be extended if: (a) the Insured’s entire Journey is covered by the policy, and (b) the Insured’s return is delayed by unforeseeable circumstances beyond his/her control. If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date and time the insured reaches his/her return destination and when provisions within each benefit definition have been met, or (b) seven (7) days after the date The Journey was scheduled to be completed.

(7) POLICY TERMINATION: You may cancel this policy at any time after premium has been paid by giving us written notice in advance of such cancellation. The effective date of termination will be the date we receive such notice, or a later date if shown in the notice. We may cancel this policy at any time by sending a written notice to you at the address shown in our records. The effective date of termination will be at least 30 days later than the date of our written notice.

Any premium owed to us, in the event of you or us canceling, must be promptly paid. If you cancel, we will refund the unearned premium, if any, based on the normal short rate procedures. If we cancel, we will refund the unearned premium, if any, on a pro rata basis.

(8) NOTICE OF CLAIM: Written notice of claim must be given to us within thirty (30) days after a covered loss occurs or begins. If such notice cannot be given during such time, then it must be done as soon as reasonably possible. The notice must include the Insured 's name and policy number. It should be sent to us in care of: The Atlas Club, Inc., 1436 Sorell Road, Boulder City, NV. 89005. Or such other address as the Club nominates from time to time.

(9) CLAIM FORMS: An Insured can contact The Club for claim forms. The Club will send the claimant forms for filing proof of loss within 15 days. Written proof of loss will be met by the Insured or beneficiary by sending us written proof as described below.

(10) WRITTEN PROOF OF LOSS: Proof of loss must describe the incident, extent and the type of loss. For death claims, proof of loss means certified copies of the death certificate, autopsy if performed, Coroner, Medical Examiner or Justice of the Peace reports. Police Motor Vehicle Accident Report or Police Incident Report, if applicable, are also proof of loss documents.

Written proof of loss must be sent to us at the address shown above, or to one of our agents. If the claim is for a continuing loss for which we make periodic payments, the claimant must give us written proof of loss within 90 days after the end of each period that benefits are payable.

For any other loss, written proof must be given to us within 90 days after the date of loss. If proof of loss cannot be given in that time, such proof of loss must be given as soon as reasonably possible. Except in the absence of legal capacity, the claimant must give written proof within one year of the time otherwise required.

(11) TIME OF PAYMENT OF CLAIMS: We will pay any benefits due once we receive written proof of loss. Benefits that provide for periodic payment will be paid monthly.

Any payments we make in good faith will end our liability to the extent of the payment.

(13) PHYSICAL EXAMINATION AND AUTOPSY: We have the right to have the Insured examined by a physician of our choice. This may be done as often as reasonably necessary while a claim is pending or while we are paying benefits. We may require an autopsy where lawful. We will pay the cost of both the exam and autopsy.

(14) LEGAL ACTIONS: No legal action may be brought to recover on this policy within 60 days after written proof of loss has been given as required by the policy. No such action may be brought after 5 years from the time written proof of loss is required to be given.

(15) BENEFICIARY DESIGNATION AND CHANGE: The Insured may choose one or more beneficiaries. We will furnish forms for this use. Such forms shall be filed with the holder of the beneficiary records as shown in item (7) of Section I. The Insured may change beneficiaries at any time. The beneficiary's consent is not required unless an irrevocable beneficiary has been named. The change will be effective only upon receipt by the holder and it will take effect on the date the Insured signs it. Any payment made by us in good faith prior to our receipt of any beneficiary change will end our liability to the extent of such payment.

(16) ASSIGNMENT: An Insured may assign his or her interest under this policy. In the case of an irrevocable beneficiary, that person must give written consent. No assignment will be binding on us unless it is in writing and a copy sent to us. We accept no responsibility for the validity of an assignment.

(17) CERTIFICATE OF INSURANCE: We shall provide you with master certificates so that you can produce a certificate for each Insured where required by law. The certificate will describe the Insured's coverage and to whom we will pay benefits. The certificate is not part of the policy.

(18) WORKERS' COMPENSATION: This policy is not a substitute for the Workers' Compensation Law requirement.

(19) CONFORMITY WITH STATE STATUTES: Any provision of this policy which, on its effective date, is in conflict with the laws of the state where the policy is issued, is amended to meet those laws. This policy shall be interpreted in accordance with the law of the State or Territory in which the Insured’s certificate was issued and be subject to the jurisdiction of the courts of that State or Territory.

Signed by us as of the policy effective date. This policy is not binding upon us unless it is approved by Atlas International Insurance Inc.

Secretary President