About Mountain Trip Preserver
We help keep vacation dreams alive.
You’ve been planning this vacation for months, maybe even years, and just before you leave, your child spikes a fever. Or maybe your company decided to transfer you to the new West Coast office. Or more likely, you’ve been keeping an eye on a threatening storm, or a disappointing snowfall in the Rockies, and it’s starting to look like your plans will be affected.
Fortunately for you, Mountain Trip Preserver vacation rental travel insurance can reimburse you for the nonrefundable deposits and other costs you’ve incurred.
We understand that vacation travel is invested with hopes and dreams, as well as funds. When the unexpected happens, we want you to recover your investment along with the ability to plan again.
Mountain Trip Preserver Policy Details
Please Select your state of residence from the list below to download your full policy
Mountain Trip Preserver offers broadest limits:
- Up to $100,000 reimbursement for rental costs
- $200 per day ($750 maximum) for expenses related to trip delay such as hotel accommodations
- $200 per day for Baggage Delay ($1000 maximum)
- Up to $1250 for Loss, Theft or Damage to Baggage (including Sporting Equipment)
Mountain Trip Preserver covers trip cancellation or interruption due to:
- Lack of snowfall causing ski facility closure
- Uninhabitability of the destination vacation home caused by a natural disaster
- Uninhabitability of your primary residence or your traveling companion’s primary residence caused by natural disaster
- Sickness, injury or death of you, a family member or traveling companion
Mountain Trip Preserver also provides:
- Worldwide emergency assistance service
- Emergency roadside assistance service
Frequently Asked Questions
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.
Trip cancellation is financial reimbursement of your prepaid, non-refundable vacation rental costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip
Trip interruption 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.
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 remains controlled without any change in the required prescription.
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.
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.
Any of the following relatives of your or your traveling companion are considered family members under the policy: “Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or 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.
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.
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. If You do this, the Company will refund Your premium paid provided You have not filed a claim under the policy or departed for your trip.
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.
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 your plan does not include the waiver of a pre-existing medical condition.
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.