Mountain Trip Preserver
Mountain Trip Preserver plan helps guests and their traveling companions recoup pre-paid, non- refundable deposits made towards a vacation plan when unforeseen covered events occur. Coverage, including trip cancellation due to sickness, injury or death of a guest, traveling companion or family member, is available from the date of their travel insurance purchase through their date of their departure. Other covered events include road closures and uninhabitability.
POLICY HIGHLIGHTS
Mountain Trip Preserver
- Up to $100,000 reimbursement for rental costs
- $200 per day ($750 maximum) for expenses related to trip delay such as hotel accommodations
- Up to $25,000 medical expense coverage
- Up to $525,000 in emergency medical evacuation coverage
- $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 for unforeseen covered reasons including:
- Lack of snowfall causing ski facility closure (Alpine only)
- Destination vacation home is rendered uninhabitable by a natural disaster
- Your primary residence or your traveling companion’s primary residence is rendered uninhabitable by a natural disaster
- Sickness, injury or death of you, a family member, a traveling companion or a service animal
Mountain Trip Preserver also includes:
- Worldwide emergency assistance service*
- Emergency roadside assistance service*
*Travel assistance services provided by the designated assistance provider
FREQUENTLY ASKED QUESTIONS
Red Sky’s Mountain Trip Preserver plan may help protect you before your departure, during your trip, and on your return home, covering a range of unforeseen events that could cancel or interrupt your travel plans. Coverage includes trip cancellation, trip interruption, travel delay, baggage delay, lost or stolen personal items, emergency accident and sickness medical expense and emergency evacuation, and 24-hour non-insurance assistance services.
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.
A Pre-Existing Medical Condition means an illness, disease, or other condition during the 60 day period 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 60 day period 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 Trip Preserver 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 1-866-889-7409.
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.
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 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 1-866-889-7409 and one of our claims representatives will be happy to assist you.
We may reimburse you in accordance with your plan provisions if your baggage or personal items 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.
The Mountain Trip Preserver plan 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.