When researching different travel insurance companies, consumers should make sure that the insurer can meet their needs.

Red Sky, for instance, uniquely offers travel insurance plans that cater to two sides of the vacation rental industry: both guests and rental managers.

Operating since 2008, Red Sky provides coverage for the vacation rental industry with a small team of experts

About Red Sky Travel Insurance

Red Sky Travel Insurance logo

This company’s plans cover a specific market niche, whose typical customers are travelers heading to ski resorts and other mountainous areas, or to lake and coastal trips.

Red Sky also provides annual plans that cover ski resort season passes.

Red Sky has several different plans available to suit any budget and coverage requirements, although it is aimed specifically towards vacation rental guests or managers. Refunds are available ten days after the policy is first taken out.

Arch Insurance Company underwrites Red Sky’s plans and is a Better Business Bureau-certified business.

The BBB has also awarded the company its highest rating of A+. Arch Insurance has been awarded strong ratings from independent financial strength analysts.

Red Sky doesn’t have much in the way of online assistance with its claims process, or any travel information or advice.

Though customers anywhere in the world can get 24/7 support or file a claim, evidence must be physically mailed in.

Coverage OptionsCostsCustomer Reviews & ReputationCustomer Service BenefitsFinancial Strength
Red Sky insurance offers annual plans for skiers who hold season passes at select resorts.Reimbursements for rental costs up to $100,000The underwriter, Arch Insurance Company, has received the highest rating from the BBB, an A+.24/7 service available.The underwriter received scores of A+ with A.M. Best and Standard and Poor's.
This company has plans specifically for vacation rental managers.Up to $25,000 a day for medical coverage under Red Sky’s most comprehensive plan.The underwriter is a BBB-accredited business.Emergency roadside assistanceMoody's Investor Services awarded the underwriter a rating of A2.
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Red Sky Travel Insurance Coverage & Plans

Red Sky is a leading insurance company that provides coverage exclusively for the vacation rental industry. Cornering this niche has allowed Red Sky to provide travel insurance tailored to the requirements of both vacation rental managers and their guests in lake, coastal, ski, and mountain destinations.

It’s always beneficial to have a travel insurance provider that specializes in a niche. Having such a provider enables consumers to get the highest level of care, designed specifically for the trip they’re taking, knowing from experience the unique situations that may arise.

Red Sky offers the following kinds of coverage:

  • Trip Cancellation / Interruption
  • Medical

Red Sky Sun Trip Preserver

This plan provides trip protection insurance, as well as medical and personal effects coverage. It is designed with travelers visiting coastal areas in mind, with worldwide emergency assistance, and emergency assistance included. It covers hurricane and weather-based incidents.

Red Sky Mountain Trip Preserver

The Mountain Trip Preserver plan provides coverage for incidents related to mountain-based trips, such as a lack of snowfall causing a ski resort to close unexpectedly.

This plan is suited for travelers heading for a holiday in a mountain region where there might be concerns of a storm disrupting travel, or the opposite, a lack of expected precipitation.

Red Sky Ski Trip Preserver

This is one of the most unique plans offered in the travel insurance industry. It provides vacation rental managers the only coverage that protects against a lack of snow in ski destinations throughout the U.S. and Canada.

Guests are thereby protected against the costs incurred by an interrupted or canceled ski trip and other incidents that occur during skiing holidays such as a personal injury.

Red Sky Ski Pass Preserver

If you regularly take skiing trips, this is the plan for you. It provides coverage for any financial losses incurred when you’re unable to take advantage of your season pass at a ski resort, if due to a covered unforeseen reason.

It even covers the remaining cost of your season pass.

This unconventional plan may be difficult to find with another provider, even if you shop around.

Covered ExcusesSun Trip PreserverMountain Trip PreserverSki Trip PreserverSki Pass Preserver
Tour Operator Cancellation
Injury/Illness/Death of Traveleryesyesyesyes
Injury/Illness/Death of Non-traveling Family Memberyesyesyes
Injury/Illness/Death of Business Partneryesyesyes
Injury/Illness/Death of Host
Injury/Illness/Death of Host’s Family or Friends
Natural Disaster at Destinationyesyesyesyes
Tour Operator/Airline/Cruise Line Ceases Operation
Terrorism/Evacuation at Destination
Home or Business Damaged
Jury Duty/Court Appearance
Military Deployment
Work Related
Victim of Crime Prior to Trip
Car Accident Prior to Trip
Theft of Passport Prior to Trip
Separation/Divorce
School Related
CFAR Coverage (Cancel for any reason)
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This company doesn’t provide coverage for consumers that have pre-existing medical conditions. If you’re in the market for that type of plan, you may be better off researching other providers.

Red Sky Travel Insurance Costs

CoverageSun Trip PreserverMountain Trip PreserverSki Trip Preserver
Trip Cancellation
Cancel for Any Reason
Trip Interruption
Interrupt for Any Reason
Accident and Sickness Medical ExpensesUp to $25,000Up to $25,000
Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains
Non-Medical Emergency Evacuation
Accidental Death and Dismemberment (AD&D)
Air Flight Only AD&D
Baggage and Personal EffectsUp to $1250 for the loss, theft or damage of baggageUp to $1250 for the loss, theft or damage of baggage
Baggage Delay$200 per day up to a maximum of $1,000$200 per day up to a maximum of $1,000$200 per day up to a maximum of $1,000
Change Fee Coverage
Travel Delay$200 per day up to $750 maximum$200 per day up to $750 maximum$200 per day up to $750 maximum
Missed Connection
Itinerary Change
Reimbursement of Miles or Rewards Points
Rental Car Damage
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Travel insurance is sold on a case-by-case basis, and as such, there’s no fixed price. Individuals can pay different prices for the same plans, thanks in part to three primary factors that help determine the cost of a travel insurance premium: age, trip length, and destination.

Most of the time, your age and medical history are the biggest influences on the price of your premium.

For instance, the cost of travel insurance for a healthy twenty-something is usually considerably less than for someone in their 60s with a pre-existing medical condition. Consumers who are more likely to make a claim are considered a higher risk by insurance providers, and their premiums reflect this.

Your destination also impacts the price you pay, particularly if you’re making an international trip. Countries that have higher violent crime rates or poor sanitation and health care may cause the cost of your insurance to rise.

Whether you are traveling for a few days or a couple of months also impacts the price of your Red Sky trip insurance. When you’re away for more extended periods, it’s more likely that you might need medical attention. Expect your insurance premium to reflect this.

Fortunately, Red Sky offers annual plans that are better suited to the needs of constant travelers. Annual plans are often a good way to save money on your insurance, and if you’re a frequent traveler, it may be a worthy investment.

The company issues refunds after ten days from the date you purchased your policy, as long as you haven’t already left on your trip. This policy gives you time to read over your plan document and study all the exclusions.

Red Sky Travel Insurance Customer Reviews & Reputation

Thanks to the internet, it’s never been easier to find information about a company before you commit to purchasing one of its products. You should always check out customer reviews online. This is especially important with insurance companies, as even little problems may influence your decision.

In most instances, it’s a good idea to check out reviews of the insurance company and its plan administrator. In this case, Red Sky itself is the plan administrator, and its presence in reviews is virtually non-existent, limited to 15 complaints on the Better Business Bureau over the past three years.

Red Sky’s underwriter, Arch Insurance Company, has a rating of A+ from the Better Business Bureau and has been a BBB-accredited business since 2012. Arch has received, on average, around 16 complaints over three years. This is considerably lower than many of its competitors.

Trustpilot is often an excellent place to look at consumer reviews. Unfortunately, neither Red Sky nor its underwriter have a presence there.

Red Sky Travel Insurance Customer Assistance Service

These days, it’s almost expected for a company to offer as much online services as possible, so that the customer experience is sleek and user-friendly. Unfortunately, Red Sky doesn’t provide its customers with much online support or any resources on its website to help with travel queries. This is disappointing, as the majority of the travel insurance industry provides a lot more online assistance.

The company does offer 24/7 support. When you’re away, whether it’s a couple of states over or halfway around the world, you can always reach someone from Red Sky. This is standard practice for travel insurance firms and doesn’t make up for the lack of a streamlined digital experience. Claims can be filed digitally, but any evidence must be mailed, further complicating the process.

There’s not much offered in the way of concierge services, but there is an emergency roadside assistance service available as an add-on. This can be useful, as it’s often tricky reaching ski resorts, especially when the weather is as snowy as you hope it will be.

Red Sky Travel Insurance Financial Strength

An insurance provider’s financial strength is of vital concern to consumers, as an economically weak company may not be able to honor the policies that it writes. There are independent agencies that look at the activities of insurance providers and issues financial strength ratings and in some instances, grades their economic outlook.

This company’s underwriter, Arch Insurance Company, has received the following ratings:

  • Standard and Poor’s: A+
  • Moody’s Investors Service: A2
  • A. M. Best: A+

The above scores should provide policyholders with the security of knowing that if a claim is covered, the company has the wherewithal to pay it.

Red Sky Phone Number & Contact Information

  • Homepage URL: https://redskyinsurance.com/
  • Provider Phone: 1-866-549-5283
  • Headquarters Address: Red Sky Travel Insurance, Post Office Box 750, Kitty Hawk, NC 27949
  • Year Founded: 2008

 

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below: