5 Things to Know Before Buying Trip Preserver Travel Insurance
Coverage for Trip Cancellations and Interruptions
Red Sky Travel Insurance's Trip Preserver mainly covers trip cancellals and interruptions resulting from various unanticipated occurrences. Medical emergencies—sickness, injury, or death of you, a family member, or travel companion—natural disasters—hurricanes, floods, fires, etc.—job loss or relocation—requiring one year of continuous employment—and other specified circumstances including mandatory evacuations, jury duty, or revoked military leave. Coverage for pre-existing medical issues means you must buy the insurance within a designated period—usually 21 days—after your first trip deposit and insure the whole travel cost. Usually not covered are also pandemics, travel warnings, or dread of travel.
Coverage Limits and Reimbursements
The program provides rental expenses reimbursed up to $100,000. Up to $200 daily, with a maximum of $750, trip delay charges, including hotel lodging for covered causes, can be paid. Medical expense coverage is up to $25,000; emergency medical evacuation coverage costs $525,000. Lost, stolen, or damaged baggage is covered up to $1,250; baggage delays (12 hours or more) can be compensated at $200 daily, up to $1,000. Specific policies include emergency roadside assistance for trips fifty miles or more from home. Check the policy specifics for particular coverage restrictions; these may vary.
Claim Process and Customer Service
Usually online under a target="_blank" href="https://www.google.com/url?sa=E&q=http%3A%2F Red Sky Travel Insurance files claims straight-forward.www.trippreserverclaims.com">www.trippreseverclaims.com. You will need documentation, including medical records, physician comments, and evidence of spending. For questions and claim help, Red Sky's customer support can be reached at 1-866-889-7409. While some internet reviews note smooth claims procedure experiences, others document difficulties. Examine the claims process closely and get ready to offer comprehensive documentation.
Cost and Purchase Options
Usually excluding the security deposit, Trip Preserver's cost is computed as a percentage (usually between 7-8%) of your trip expenses. Usually presented as an optional add-on when you reserve your holiday rental, Buying within 21 days of the original trip deposit usually qualifies for a waiver of the pre-existing medical condition exclusion. If you haven't made a claim or left on vacation, there is frequently a 14-day review period during which you can cancel the insurance for a full refund. Contact Red Sky or your vacation rental management company for a precise quote.
Policy Variations and Exclusions
Red Sky provides Sun Trip Preserver (coastal), Ski Trip Preserver, and Mountain Trip Preserver, among other varieties of Trip Preserver catered to various locations and activities. These differences could have particular coverage relevant to the kind of vacation, such as the absence of snowfall for ski trips. Exist the exclusions and carefully go over the policy specifics. Some events, including cancellements brought on by government travel warnings or dread of travel, are often left out. Additionally, be aware of restrictions on hurricane coverage should a named storm strike occur during purchase.
| Feature | Sun Trip Preserver | Trip Preserver | Mountain Trip Preserver | Ski Trip Preserver | Ski Pass Preserver | Sun Trip Preserver CFAR |
|---|---|---|---|---|---|---|
| Coverage Limits - Rental Costs | Up to $100,000 | Up to $100,000 | Up to $100,000 | Up to $100,000 | Cost of season pass, less any refunds received | Up to 60% of prepaid, non-refundable rental costs |
| Coverage Limits - Trip Delay | $200/day ($750 max) | $200/day ($750 max) | $200/day ($750 max) | $200/day ($750 max) | Not covered | $200/day ($750 max) |
| Coverage Limits - Medical Expenses | Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 | Not covered | Up to $25,000 |
| Coverage Limits - Baggage Delay | $400 (some sources $1,000) | $200/day ($1,000 max) | $200/day ($1,000 max) | $200/day ($1,000 max) | Not covered | $200/day ($1,000 max) |
| Covered Reasons for Trip Cancellation/Interruption | Hurricane/natural disaster, uninhabitable home, sickness/injury/death, job loss/transfer, jury duty, military duty | Hurricane/natural disaster, uninhabitable home, sickness/injury/death, job loss, jury duty, military duty, lack of snow (ski), road closures | Natural disaster, uninhabitable home, sickness/injury/death, lack of snow (Alpine only), road closures | Lack of snowfall, natural disaster, uninhabitable home, sickness/injury/death | Death, sickness, injury of insured or family member; uninhabitable primary residence or destination; job transfer over 100 miles; military leave revocation | Any reason (48+ hours before departure, 60% reimbursement); hurricane/natural disaster, uninhabitable home, sickness/injury/death |
| Additional Benefits | 24/7 travel assistance, identity theft assistance, rental car coverage, roadside assistance | 24/7 travel assistance, rental car damage, emergency medical evacuation, roadside assistance | 24/7 travel assistance, emergency medical evacuation, baggage loss/theft/damage, roadside assistance | 24/7 travel assistance, emergency medical evacuation, baggage loss/theft/damage, roadside assistance | Not specified | 24/7 travel assistance, roadside assistance |
| Pre-existing Condition Waiver | Available if purchased within 21 days of initial trip deposit | Available if purchased within 21 days of initial trip deposit | Available if purchased within 21 days of initial trip deposit | Available if purchased within 21 days of initial trip deposit | Not specified | Available if purchased within 21 days of initial trip deposit |
