Frequently Asked Questions Mountain Trip Preserver
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The following questions and answers are provided to assist you in understanding your coverage. Conflicts between this document and the Policy will be governed by the Policy. If you don’t see your question answered below, please call us at 1-866-889-7409 or send a message to RedSky@ArchInsurance.com. Please refer to Mountain Preserver.
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- Q: What are the general types of coverage included in the Mountain Trip Preserver comprehensive plan?
- Mountain Trip Preserver provides coverage should you need to cancel your trip before you even depart or if your trip is interrupted. The plan also provides coverage for trip delay, baggage delay, lost or stolen personal items including sporting equipment such as skis and snowboards, emergency accident and sickness medical coverage and emergency evacuation as well as 24-hour assistance services
- Q: What is trip cancellation?
- Trip cancellation is financial reimbursement of your prepaid, non-refundable vacation costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip
- Q: What is trip interruption?
- Trip interruption is financial reimbursement for your unused prepaid travel expenses and/or the additional airfare to return home, when an unforeseen event, from which you are protected under your policy, causes you to cut short your trip and return home ahead of schedule must occur after your policy takes effect.
- Q: What is a Pre-Existing Medical condition?
- A Pre-Existing Medical Condition is any injury, sickness, or medical condition of yourself, a traveling companion, or a member of your or your traveling companion's family for which medical advice, diagnosis, care, or treatment was recommended or received within the 60-day period ending on the effective date of your Trip Preserver policy. A condition is not considered pre-existing if the condition for which prescribed drugs or medicine are taken remains controlled without any change in the required prescription
- Q: What is a Waiver of a Pre-Existing Medical Condition?
- This is a waiver that qualifies the Pre-Existing Medical Condition to not be excluded as a protected reason for a cancellation or interruption of your trip. To obtain the waiver you need to buy your Trip Preserver Plan within 21 days of your initial trip deposit and insure the trip's full non-refundable cost. You must not be disabled from travel when you buy the policy, and the insured trip must be your first and only booking for the same destination and scheduled travel dates.
- Q: If I get sick or injured while on my trip is there coverage?
- If you incur Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip. The Company will pay benefits up to the maximum shown in Schedule of Coverage and Services. This is Primary coverage.
- Q: Who is considered a family member under the policy?
- Any of the following relatives of your or your traveling companion are considered family members under the policy: a legal spouse, common-law spouse where legal, legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.
- Q: When is the best time to purchase Mountain Trip Preserver?
- The best time to purchase the policy is with your initial trip deposit, or within 21 days of the trip deposit. Your prompt purchase ensures that you are afforded the maximum protection under the policy.
- Q: Can I cancel my Trip Preserver policy and get my premium back?
- You may cancel coverage under the policy by giving your property manager written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your coverage; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided You have not filed a claim under the policy.
- Q: Where can I find information about filing a claim?
- All claims forms are available by clicking the "Claims" button at the top of this page. You can also find required documents listed on each claim form, which can be used as a convenient checklist for submitting your claim. If you need further information please call our plan administrator, Red Sky Insurance, at 1-866-889-7409 and one of our claims representatives will be happy to assist you. Representatives will be happy to assist you.
- Q: Why are medical records sometimes needed with a claim filing?
- Medical records are requested to confirm that Trip Preserver covers the specific medical condition causing the claim. It is also possible that the attending physician's statement is incomplete or needs further clarification. The medical records are normally needed when your plan does not include the waiver of a pre-existing medical condition.
- Q: What about lost luggage, sporting equipment or ski passes?
- The company will reimburse you up to the maximum shown in the schedule of coverage if your baggage, personal items and or sporting equipment such as skis and snowboards are lost or stolen. This applies to your ski pass as well.
- Q: What if there’s a road closure and I can’t get to my vacation destination?
- If there’s a road closure on your normal, anticipated route that causes a delay in reaching your scheduled trip destination for at least 6 hours, you can cancel or interrupt your trip.