Colette
Waste of money
Waste of money. I purchased the insurance on our rental house in case something happened. On our drive down to North Carolina from Michigan I got a bad stomach bug and had to stop in Kentucky for the night. Had already paid for that night for the rental house in North Carolina. So now we're out the $200 for the night plus the cost of the hotel room. I then remembered that I paid for the travel insurance that claims to cover travel delays due to sickness. So I reached out and they are telling me I need a physicians statement. How am I supposed to get in to see a doctor at 8:30 at night? I wasn't going to try to find a hospital and waste their time for a stomach bug. I was in no condition to be in the car anymore but definitely didn't need to go to the ER. Apparently the hotel room charge wasn't enough proof that we were unable to make it to the house. I'm not sure why I wasted my money on this insurance as it is useless.
Response from Arch Red Sky InsuranceApr 11, 2022
Colette, Thank you for reaching out to us. As with any insurance claim, in order to adjudicate a claim in accordance with the terms of the policy, whether to approve or deny, our examiners require complete documentation supporting such claim. While we understand your circumstance as described, we do require submission of a completed Attending Physician Statement to support a Sick claim under one of the benefits available. This form contains relevant information such as dates of treatment and physician recommendations that we need to adjudicate your claim. As with any insurance policy, your named peril policy has terms, conditions, limitations and exclusions. Unfortunately, your circumstance is not one of the named perils under your policy. Regards, The Red Sky Team