Last Updated: May 10, 2026
For All Trips After: November 14th 2025.
At Atomic Trips, we strongly recommend that all travelers purchase comprehensive travel insurance prior to departure. International and group travel can involve unexpected situations including trip interruptions, cancellations, medical emergencies, travel delays, lost baggage, accommodation changes, illness-related room changes, weather disruptions, and supplier-related changes.
While travel insurance is not mandatory to travel with Atomic Trips, travelers acknowledge that choosing to travel without appropriate coverage may limit the level of assistance, flexibility, accommodations, or operational support available in certain situations where lack of coverage could impact the quality, safety, or feasibility of travel-related solutions during the trip.
Atomic Trips strongly recommends that travelers purchase travel insurance coverage that may include:
Travelers are strongly encouraged to maintain a minimum of $10,000 USD in travel-related coverage where applicable under their selected policy.
Travelers are solely responsible for reviewing, selecting, purchasing, understanding, and maintaining their own travel insurance policy and coverage levels.
Atomic Trips is not an insurance provider, insurance broker, or insurance advisor.
Atomic Trips does not:
The decision regarding which travel insurance provider, policy, or coverage options to purchase is solely the responsibility of the traveler.
Travelers are responsible for understanding:
All reimbursement decisions and claim determinations are made solely by the traveler's insurance provider according to the traveler's policy terms.
This section applies specifically to travelers who selected shared accommodations or roommate-based lodging arrangements.
If a traveler sharing accommodations becomes ill during the trip and roommate reassignment or separate accommodations become necessary for health, safety, operational, or roommate-comfort reasons, additional accommodation costs may become the responsibility of the traveler experiencing illness.
When operationally possible:
Travelers may be required to seek evaluation from a local medical provider and provide documentation or a doctor's note if requested by the Atomic Trips team.
Travelers may submit eligible accommodation expenses and related costs to their travel insurance provider for potential reimbursement subject to their policy terms.
Travelers understand that itineraries, accommodations, transportation, activities, and operational plans may occasionally change due to:
Travel insurance may assist with eligible reimbursements related to certain covered disruptions depending on the traveler's selected policy.
Atomic Trips does not guarantee reimbursement, compensation, insurance claim approval, or coverage eligibility for any travel-related event, disruption, illness, cancellation, delay, accommodation expense, or operational change.
Coverage determinations and reimbursement decisions are made solely by the traveler's insurance provider according to the traveler's individual policy terms.
When reasonably possible, Atomic Trips may assist travelers by providing:
However, Atomic Trips is not responsible for:
This Travel Insurance Policy is intended to supplement the Atomic Trips Terms of Service and related traveler policies.
In the event of any conflict, inconsistency, operational necessity, or interpretation issue between this policy and the Atomic Trips Terms of Service, the Atomic Trips Terms of Service shall control and prevail to the fullest extent permitted.
Atomic Trips reserves the right to make operational decisions, accommodations, and traveler-management determinations based on safety, logistics, supplier limitations, traveler conduct, and the overall operational needs of the trip.
By booking with Atomic Trips, travelers acknowledge that:
By proceeding with booking, travelers acknowledge and agree to this Travel Insurance Policy in addition to the Atomic Trips Terms of Service.
