Red Sky Travel Insurance is predatory and has no intention of paying any claims on policies purchased through them. In reviewing of not only my own experience, but reading additional reviews, this company is unethical. We had to cancel our trip due to Hurricane Helene and having no confirmation of whether or not our rental house had any power. So we cancelled. Turns out that’s not covered. We were expected to fly to GA with no knowledge of whether or not the house had power. Since the house did eventually get power back they denied it.
Response from Arch Red Sky InsuranceOct 16, 2024
Sandra,
Thank you for reaching out to us.
We are unable to locate a policy in our system associated with the name posted with this review.
When you have a moment, please send an email to [email protected] with your reservation number and vacation rental management company so we can review your case in more detail.
Regards,
The Arch Red Sky Team
MC
Michelle C.
What a joke
What a joke! I purchased travel insurance for a trip that I booked to Blowing Rock NC Nov 7-10th. The area has been wiped out by Hurricane Helene. I filed with insurance and it was denied completely. They stated that they don't cover if the event is more than 30 days prior to the stay. What??Why even buy insurance if that is the case. Save your money! This company is a scam.
Response from Arch Red Sky InsuranceOct 22, 2024
Michelle,
Thank you for reaching out to us.
Travel insurance is a named peril insurance, meaning only covered events outlined in your policy are insured. Unfortunately, your circumstance did not meet a covered reason under your policy. As stated in the Description of Coverage that you received when you purchased the policy, similar to other travel insurance offerings, your policy pays benefits for Trip Cancellation occurring within 30 days after the named hurricane makes Your destination accommodations Uninhabitable.
We understand you are disappointed with the outcome, however, we are required to adjudicate claims according to the terms of your policy. If you have any further questions you can contact us at 866-889-7409.
Regards,
The Arch Red Sky Team
KM
Ken M.
Filed my Trip Cancellation claim due to falling ill with COVID-19
Filed my Trip Cancellation claim due to COVID seven weeks ago. Still have not received money from Red Sky approved claim, and I selected the recommended EFT option for my reimbursement. Very poor customer service requiring numerous follow-ups on my part.
Response from Arch Red Sky InsuranceOct 9, 2024
Ken,
Thank you for reaching out to us.
At the time of posting, we understand that your issue is being or has been resolved.
Please look out for a communication from our team and if you have any further questions, please contact us.
Regards,
The Arch Red Sky Team
AM
Ashley M.
I wish I could give negative stars...
I wish I could give negative stars...
I bought this travel insurance to cover a trip to take my terminally ill sister to the beach for what would probably be her last birthday ever.
I had to cancel the trip when the condo rental company let me know that the elevator wasn't working, because my sister is unable to walk up the stairs. I was very clear when I rented the condo that an elevator was a necessity.
Red Sky denied my initial claim AND the appeal citing that we knew about the illness in advance. We did know about the illness in advance, which is why I said we could ONLY rent a place with an elevator. Obviously Red Sky is a scam company that only takes your money has no intention of ever paying out. Don't use their services!
Response from Arch Red Sky InsuranceJul 11, 2024
Ashley,
Thank you for reaching out to us. We are sorry to hear about the circumstances of your claim.
Travel insurance is a named peril insurance, meaning only covered events outlined in the policy are insured.
Unfortunately, your circumstance did not meet a covered reason under the policy. We understand you are disappointed with the outcome, however, we are required to adjudicate claims according to the terms of your policy.
We categorically refute your allegations that Arch Red Sky is a scam company when no benefits are payable for your set of circumstance.
If you have any further questions you can contact us at 866-889-7409.
Regards,
The Arch Red Sky Team
JM
Jenny M.
If I could give a ZERO star rating for…
If I could give a ZERO star rating for Red Sky Travel Insurance, I would! Our Outer Banks vacation home CAUGHT ON FIRE people!! We were awakened at 3am by my niece running around that house pounding on everyone's door and yelling at the house was on fire and we needed to get out now! It was an electrical fire that broke out in the attic above my sister's bedroom suite. She was drifting in and out of sleep, but she kept hearing crackling and smelling smoke. My niece was restless, and happened to be awake (thank God). Once they figured out what was going on, it was a flurry of activity getting everyone out. One of our family members is a quadriplegic, and this was his first vacation in 15 years. This experience was terrifying for all of us!! The fire chief told us...just a few more minutes, and the entire first floor would've been engulfed in flames. We made it out just in time!! Not only did we lose some things to water and smoke damage, we were all traumatized :'(
17 of us...our entire family... it could've wiped us out completely! We claimed $8,856 for our trip. After more than 30 days of waiting (and sending them a ridiculous amount of receipts for everything they asked us for), they just let us know they're going to pay $1,174....What the?!?!? . I'm floored!!
Response from Arch Red Sky InsuranceJun 17, 2024
Jenny,
Thank you for taking the time to leave a review. We are sorry to hear about the circumstances of your claim.
As stated in your explanation of benefits, travel insurance will reimburse you, up to the maximum benefits amount shown in the schedule of benefits, for unused, prepaid, nonrefundable payments or deposits for your vacation rental. Therefore, only the unused nights at the vacation rental are covered for a trip interruption claim, not the entire trip.
In regards to the damaged items, insurance policies, including travel insurance policies, generally have maximum benefits outlined in the policy. These are outlined in your policy made available to you prior to and after your policy purchase. Links to your policy were included in your confirmation of benefit email and accessible 24/7 on the rental property website. Your claim was paid in full up to the maximum benefits pursuant to the policy. Because your claimed expenses exceeded the maximum benefits outlined in your policy, amounts in excess of the maximum benefits were denied.
If you have any further questions you can contact us at 866-889-7409.
Regards,
The Arch Red Sky Team
JG
Jamie G.
I was diagnosed with cancer & had to…
I was diagnosed with cancer & had to cancel because I wasn't sure when treatment was to begin.
This company really beat around the bush, doing everything in order not to reimburse me.
I would never recommend this company to anyone
Response from Arch Red Sky InsuranceMar 1, 2024
Jamie,
Thank you for reaching out to us. We are sorry to hear about the circumstance surrounding your claim.
At the time of posting, we understand that your issue is being or has been resolved.
Please look out for a communication from our team and if you have any further questions, please contact us.
Regards,
The Arch Red Sky Team
SG
Sandra G.
It took over 3 months to receive our…
It took over 3 months to receive our check. I had been told almost 2 months prior that it had been approved and it had been sent to whoever it needed to go for payment. After 2 more calls and finally asking for a supervisor, it was paid.
Response from Arch Red Sky InsuranceJan 24, 2024
Sandra,
Thank you for reaching out to us.
While on average it takes 30 days or more to adjudicate a claim upon receipt of all required documentation, due to increased number of claims received, our processing times may take longer.
We appreciated your patience as we evaluated your claim. At the time of posting, we understand that your claim has been resolved.
Regards,
The Arch Red Sky Team
PW
P W.
Had I not kept up with continuous phone…
Had I not kept up with continuous phone calls I don’t think I ever would have seen a dime. There was literally no communication initiated by them.
