Beth M.
Ski Trip - Covid
We booked a ski trip for our family. We purchased insurance for the lift tickets and the ski rental. One family member's fiance came down with covid right before we were to leave, so they could not go. I applied for coverage and was told I had to submit a Physician's Statement. I submitted the covid test result from Walgreens since the person did not go to the doctor since it was not medically necessary to do so. They quarantined per the CDC guidelines. I was told that they had to confirm the test results with Walgreen or have the Physician's statement. Walgreens will not confirm covid tests over the phone since they are available online. After months of back and forth (email and phone), we had a doctor who had not seen the patient sign the form which asked questions such as 'Were your patient's Covid symptoms so disabling that they are unable to travel on the date of departure?' This seems to suggest that if a person had minor symptoms, RedSky would not cover the claim. I do not know why they would ask this type of question when people with covid are supposed to quarantine regardless of their symptoms. After 4 months we finally our claim was finally paid. I would think providing a positive covid test would have been sufficient for the claim to be paid.
Response from Arch Red Sky InsuranceJun 29, 2022
Beth, 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, your payment has been processed. Regards, The Red Sky Team



