Travel Insured International
Frequently Asked Questions (FAQs)
Our customer care professionals hear certain questions often from travel sellers and their clients. Here are some of the most popular. If you don't see your question below, please call us at 1-866-621-2070, or send a message to email@example.com.
We are happy to assist you!
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
Click on the questions below for answers.
- What are the general types of coverage included in the Trip Preserver comprehensive plan?
- Red Sky's Trip Preserver protects you both before your departure and during your trip from a wide range of unforseen events that could cancel or interrupt your travel plans. Coverage includes trip cancellation, trip interruption and trip delay, baggage delay, emergency accident and sickness medical expense and emergency evacuationand 24-hour assistance services.
- What is trip cancellation insurance?
- Trip cancellation insurance is financial reimbursement of your prepaid, non-refundable travel costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip.
- What is trip interruption insurance?
- Trip interruption insurance 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.
- When is protection from an act of terrorism an included coverage?
- You are eligible for your policy’s trip cancellation or trip interruption benefits when a politically-motivated terrorist attack occurs in a city listed on your travel itinerary. The event must occur after your policy takes effect and within 30 days of your departure.
- 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.
- 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 or common-law spouse; a domestic partner; a parent or legal guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.
- 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 14 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.
- When is the best time to purchase Trip Preserver?
- The best time to purchase the policy is with your initial trip deposit, or within 14 days of the trip deposit. Your prompt purchase ensures that you are afforded the maximum protection under the policy.
- Can you ever decide to cancel your Trip Preserver policy?
- Plan fees are not refundable. Please review the terms and conditions of the Trip Preserver Plan prior to purchase. Click here to review the Description of Coverage.
- 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 1-866-621-7020 and one of our claims representatives will be happy to assist you.
- 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.
- What happens if a hurricane hits?
- Trip Preserver protects you against trip cancellation or trip interruption when a hurricane causes you to lose 4 days or 50% or your trip length. Coverage is also provided if the roadways are closed due to a natural disaster preventing you from reaching your destination.
- What about storm damage?
- Coverage is provided if your destination accommodations are rendered uninhabitable due to a natural disaster such as a tropical storm, flooding or fire.