FREQUENTLY ASKED QUESTIONS

Trip cancellation coverage may include financial reimbursement for your prepaid, non-refundable vacation rental costs when an unforeseen, covered event causes you to cancel your trip.

Trip interruption may include financial reimbursement for your unused, prepaid travel expenses and/or the additional airfare to return home, when an unforeseen covered event, from which you are protected under your plan, causes you to cut short your trip and return home ahead of schedule. This unforeseen covered event must occur after your plan effective date.

If You incur and accidental injury while on your trip or a sickness that first manifests itself during your trip, you may be eligible for reimbursement of your covered medical expenses up to the maximum benefit amount in your plan.

Your Arch Red Sky plan may protect you by providing reimbursement for pre-paid, non-refundable trip deposits in the event the trip is cancelled or interrupted if a mandatory evacuation due to a named hurricane or other natural disaster causes you to have only 4 days or 50% or less of your trip length remaining at the time the mandatory evacuation ends; or if the roadways are closed due to a natural disaster preventing you from reaching your destination.

Coverage may be provided if your trip is cancelled due to your destination accommodations being rendered uninhabitable due to a named hurricane or natural disaster such as a tornado, flood or fire. This benefit is only available for trips occurring within 30 days after the named hurricane or event makes your destination accommodations Uninhabitable.

Your Arch Red Sky plan may protect you by providing reimbursement for pre-paid, non-refundable trip deposits in the event your trip is cancelled or interrupted if your resort has at least 75% of the trails closed from lack of snow, severe weather or trail conditions or natural disaster. Additionally, you must be unable to ski for 50% or more of your scheduled trip duration in order for your trip to be considered cancelled, otherwise a benefit may be payable for each full 24 hour period in which you are unable to ski.

We may reimburse you in accordance with your plan provisions if your baggage, personal items or sporting equipment including, skis, snowboards or ski passes are permanently lost, damaged, destroyed or stolen; provided that you have taken all reasonable measures to protect, save and/or recover your property at all times.

 A Pre-Existing Medical Condition means an illness, disease, or other condition during the 120 day period (60 days for Ski Trip Preserver plan) immediately prior to the Effective Date of Your coverage for which You or Your Traveling Companion, Business Partner, Service Animal or Family Member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 120 day period (60 days for Ski Trip Preserver plan) before Your coverage is effective under this plan.

This is a provision that waives the pre-existing medical condition exclusion. To obtain the waiver you need to buy your Arch Red Sky plan within 21 days of your initial trip deposit. You or the individual with the Pre-Existing Condition must not be disabled from travel when you buy the plan. If you have specific questions, please call our coverage specialists at 1-866-549-5283.

Family member means any of the following: you 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 plan is when you make your initial trip deposit. To qualify for the pre-existing conditions exclusion waiver, the plan must be purchased within 21 days of your initial trip deposit. Your prompt purchase ensures that you are afforded the fullest protection provided by this plan.

You may cancel plan your plan and receive a full refund of premium paid by giving your property manager written notice within 14 days from the purchase date of your plan, provided You have not filed a claim under the plan or departed for your trip.

All claims forms are available online by clicking the “File a Claim” 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 us at 1-866-549-5283 and one of our claims representatives will be happy to assist you.

Some Arch Red Sky plans may protect you by providing reimbursement for pre-paid, non-refundable trip deposits in the event your trip is cancelled or interrupted, if there’s a documented road closure on your normal, anticipated route that causes a delay in reaching your scheduled trip destination for at least 6 hours.