Ski Trip Preserver Frequently Asked Questions
What if there is not enough snow to ski?
If at least 75% of the trails are closed for at least 12 hours due to lack of snow, severe weather or trail conditions or Natural Disaster at Snowshoe Mountain
resort a benefit
will be paid for each full 24 hour period in which the insured is unable to ski, up to the maximum as shown in the schedule of benefits
. This coverage is only available if the insured purchases the insurance at least 21 days prior to their departure date.
This coverage is available from December 15 through March 30
for ski resorts in the northern hemisphere and June 15 through September 30 for ski resorts in the southern hemisphere.
What about lost luggage, sporting equipment or lift tickets?
The company will reimburse you up to the maximum shown in the schedule of coverage
if your baggage, personal items and or sporting equipment such as skis and snowboards are lost or stolen. This applies to your ski pass as well.
What are the general types of coverage included in the Ski Trip Preserver comprehensive plan?
Ski Trip Preserver
provides coverage should you need to cancel your trip before you even depart or if your trip is interrupted. The plan also provides coverage
for trip delay, baggage delay, lost or stolen personal items including sporting equipment such as skis and snowboards
, emergency accident and sickness medical coverage and emergency evacuation as well as 24-hour assistance services.
What is trip cancellation?
is financial reimbursement
of your prepaid, non-refundable vacation costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip.
What is trip interruption?
is financial reimbursement
for your unused prepaid travel expenses and/or the additional airfare to return home, when an unforeseen event, from which you are protected under your policy, causes you to cut short your trip and return home ahead of schedule must occur after your policy takes effect.
What is a pre-existing medical condition?
A Pre-Existing Medical Condition is any injury, sickness, or medical condition of yourself, a traveling companion, or a member of your or your traveling companion's family for which medical advice, diagnosis, care, or treatment was recommended or received within the 60-day period ending on the effective date of your Ski Trip Preserver
policy. A condition is not considered pre-existing if the condition for which prescribed drugs or medicine are taken remains controlled without any change in the required prescription.
What is a waiver of a pre-existing medical condition?
This is a waiver that qualifies the Pre-Existing Medical Condition to not be excluded as a protected reason for a cancellation or interruption of your trip. To obtain the waiver you need to buy your Ski Trip Preserver
Plan within 21 days of your initial trip deposit and insure the trip's full non-refundable cost. You must not be disabled from travel when you buy the policy, and the insured trip must be your first and only booking for the same destination and scheduled travel dates.
If I get sick or injured during my trip is there coverage?
If you incur Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip. The Company will pay benefits
up to the maximum shown in Schedule of Coverage and Services. This is Primary coverage.
Who is considered a family member under the policy?
Any of the following relatives of your or your traveling companion are considered family members under the policy: a legal or common-law spouse; a domestic partner; a parent or legal guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew, sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew. (NOTE
considered family members).
When is the best time to purchase Ski Trip Preserver?
The best time to purchase the policy is with your initial trip deposit, or within 21 days of the trip deposit
. Your prompt purchase ensures that you are afforded the maximum protection
under the policy (particularly the 'no snow' coverage).
Can I cancel my Ski Trip Preserver policy and get my premium back?
You may cancel coverage under the policy by giving your property manager written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your coverage; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided You have not filed a claim under the policy.
Where can I find information about filing a claim?
You may access the various claim forms by clicking here
. If you need further information please call the plan administrator, Red Sky Insurance
, at 1-866-889-7409
and one of their claims representatives will be happy to assist you.
Why are medical records sometimes needed when filing a claim?
Medical records are requested to confirm that Ski Trip Preserver
covers the specific medical condition causing the claim. It is also possible that the attending physician's statement is incomplete or needs further clarification. The medical records are normally needed when your plan does not include the waiver of a pre-existing medical condition.
What if the slopes are closed due to avalanche?
If at least 75% of the trails are closed for at least 12 hours due to an avalanche at Snowshoe Mountain Resort, a benefit will be paid for each full 24 hour period in which the insured is unable to ski, up to the maximum as shown in the schedule of benefits. This coverage is only available if the insured purchases the insurance at least 21 days prior to their departure date. This coverage is available from December 15 through March 30 for ski resorts in the northern hemisphere and June 15 through September 30 for ski resorts in the southern hemisphere.