SUN TRIP PRESERVER

About Sun Trip Preserver

We help keep vacation dreams alive.

You've been planning this vacation for months, maybe even years, and just before you leave, a family member is hospitalized. Or maybe your company decided to transfer you to the new office on the other side of the country. Or more likely, you’ve been keeping an eye on a storm over the Atlantic and it’s starting to look like your plans will be affected.

Fortunately, the Sun Trip Preserver vacation rental travel insurance plan includes trip cancellation & trip interruption benefits that may reimburse you for pre-paid, non-refundable deposits as a result of unforeseen covered events. 

We understand that vacation travel is full of hopes and dreams, as well as expenses. When the unexpected happens, we want to help you recover your pre-paid, non-refundable deposits made towards their planned vacation along with the ability to plan again.

Plan Highlights

Sun Trip Preserver highlights:

• Up to $100,000 reimbursement for rental costs
• $200 per day ($750 maximum) for expenses related to trip delay such as hotel accommodations
• Emergency medical expense and emergency medical evacuation coverage 
• $1000 baggage delay coverage

Sun Trip Preserver covers trip cancellation or interruption for listed unforeseen covered events including:

• Events prompted by a named hurricane or other natural disaster
• 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

Sun Trip Preserver also provides:

• Worldwide emergency assistance service*
• Emergency roadside assistance service*
• non-insurance services provided by the designated assistance provider

Frequently Asked Questions

The following questions and answers are provided to assist you in understanding your coverage. Conflicts between this document and the plan will be governed by the plan.

WHAT ARE THE GENERAL TYPES OF COVERAGE INCLUDED IN THE SUN TRIP PRESERVER PLAN?

Red Sky's Sun 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.

WHAT IS TRIP CANCELLATION COVERAGE?

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.

WHAT IS TRIP INTERRUPTION COVERAGE?

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 I GET SICK OR HURT WHILE ON MY TRIP, IS THERE COVERAGE?

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.

WHAT HAPPENS IF A HURRICANE HITS?

The Sun Trip Preserver 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.

WHAT ABOUT STORM DAMAGE?

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.

WHAT IS A PRE-EXISTING MEDICAL CONDITION?

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.

WHAT IS A WAIVER OF THE PRE-EXISTING MEDICAL CONDITION EXCLUSION?

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.

WHO IS CONSIDERED A FAMILY MEMBER UNDER THE 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.

WHEN IS THE BEST TIME TO PURCHASE SUN TRIP PRESERVER?

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.

CAN I CANCEL MY PLAN AND GET MY PREMIUM BACK?

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.

WHERE CAN I FIND INFORMATION ABOUT FILING A CLAIM?

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.