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Ripcord By Redpoint
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Go remote. Go with Ripcord.
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Cavalry By Redpoint
Cultural travelers wanting the best? Call the Cavalry.
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Harbor By Redpoint
Looking for Just the Essentials on a budget? Choose Harbor.
Find the plan that’s right for you.
Remote adventure travel
mountain climbing, wilderness trekking, safari, fishing etc.
Urban or Cultural Travel to a developed destination
Our Travel Programs
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Remote destinations with limited communications or medical facilities
- 32 covered reasons for trip cancellation & interruption, including business reasons, hunting & fishing restrictions, and pets
- Pandemic coverage that includes cancellation, interruption, and quarantine
- Medical evacuation and rescue from the point of emergency to your home hospital of choice
- $100,000 of primary medical expense coverage
- Pre-existing medical condition waiver if purchase conditions are met
- Political, security and natural disaster evacuation for unexpected natural disasters, terrorism, civil war, and other dangerous & chaotic events
- Search and rescue
- Travel inconvenience benefits
![red travel insurance Travelers bike on Copenhagen street bike lane](https://redpointtravelprotection.com/wp-content/uploads/copenhagen-biking.jpg)
Best for cultural or luxury trips to foreign cities and towns
- 30 covered reasons for cancellation & interruption, including business reasons and pets
- Medical evacuation to your home hospital of choice
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Cost effective for domestic or budget-friendly trips
- 16 covered reasons for cancellation & interruption
- Pandemic coverage that includes cancellation, interruption and quarantine
- Medical evacuation
- $50,000of primary medical expense coverage
- One stop program with a single contact for emergency services, travel assistance, claims and more
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What our clients are saying
I was hospitalized in South Africa at the beginning of a trip on Jan 7 this year. I wanted to write and commend your team for the outstanding job they did in supporting me and my traveling companions during my time in South Africa. It was a scary situation and your folks in particular Shannon (who was in touch every day), Michelle, Siobhan, Cathal and Tiana did so well by us. They had advice, useful information and support the whole time we were there. Please convey my thanks to them. Kathy Glackin
I couldn’t believe it. The last time I filed a claim was after a faulty pipe caused water damage — the insurance company asked me to file three times and in the end, all I got was a higher premium. I’ve been recommending your company to all my traveling friends. Charles M., Trip Interruption Reimbursement
Got me home when it counted despite the complexity of my particular medical issue. My wife puts it well: made us feel like we were part of a special operation. Craig L., Evacuee
We thought we were going to die. $372. The best investment I ever made. Jerry R., Everest Evacuee
Were it not for you guys, that bag would never have arrived. It would be sitting at the airport in Iceland. Joe V., Lost Baggage
Our operations team was thoroughly impressed with the level of service, the level of knowledge and how ‘switched on’ your personnel have been throughout the process. This was one of the most extreme evacuation scenarios one could come across in the locations we visit and your team handled it flawlessly. Redpoint Client
Redpoint delivers the highest quality services in the industry. Redpoint’s leaders have the highest integrity and create solutions that generate real value in my business. Steve M.
* Benefits described are related to travel insurance underwritten by State National Insurance Company Inc.
Travel Insurance Coverage: This summary is only a brief description of the coverage(s) available under policy series IPRED_PC_02/2021. This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Insurance Company Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state. It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.
Travel Assistance Coverage: Redpoint Resolutions LLC provides travel assistance and non-insurance services. Travel assistance and non-insurance services are not insurance. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance through a membership program. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.
UnivOps Insurance Services LLC is the licensed insurance agent.
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Contact Red Sky
Call us at 1-866-549-5283 E-mail us at [email protected]
Our mailing address: Red Sky Travel Insurance Post Office Box 750 Kitty Hawk, NC 27949
Get in touch with your Red Sky representative:
LAIRD SAGER [email protected] 252-202-3292 President / National Accounts
KIM CASPER [email protected] 804-539-2811 Vice President / National Accounts
LIZ SAGER [email protected] 252-305-9486 Rocky Mountains, California, Oregon, Washington
LEIGH GOMEZ [email protected] 917-594-5198 Account Administrator
MALISSA SUGGS PERRY [email protected] 646-887-2630 Sales & Client Support
Quick Contact Form
If you are a Guest with questions on coverage or claims, please contact us here .
If you are with a Property Management Company and would like more information on our Coastal, Mountain and Ski products, please complete the Quick Contact Form below.
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- Red Sky Travel Insurance Review
When researching different travel insurance companies, consumers should make sure that the insurer can meet their needs.
Red Sky, for instance, uniquely offers travel insurance plans that cater to two sides of the vacation rental industry: both guests and rental managers.
Operating since 2008, Red Sky provides coverage for the vacation rental industry with a small team of experts
About Red Sky Travel Insurance
![red travel insurance Red Sky Travel Insurance logo](https://www.insuranceblogbychris.com/wp-content/uploads/2019/03/redsky_png-300x172.png)
This company’s plans cover a specific market niche, whose typical customers are travelers heading to ski resorts and other mountainous areas, or to lake and coastal trips.
Red Sky also provides annual plans that cover ski resort season passes.
Red Sky has several different plans available to suit any budget and coverage requirements, although it is aimed specifically towards vacation rental guests or managers. Refunds are available ten days after the policy is first taken out.
Arch Insurance Company underwrites Red Sky’s plans and is a Better Business Bureau-certified business.
The BBB has also awarded the company its highest rating of A+. Arch Insurance has been awarded strong ratings from independent financial strength analysts.
Red Sky doesn’t have much in the way of online assistance with its claims process, or any travel information or advice.
Though customers anywhere in the world can get 24/7 support or file a claim, evidence must be physically mailed in.
Red Sky Travel Insurance Coverage & Plans
Red Sky is a leading insurance company that provides coverage exclusively for the vacation rental industry. Cornering this niche has allowed Red Sky to provide travel insurance tailored to the requirements of both vacation rental managers and their guests in lake, coastal, ski, and mountain destinations.
It’s always beneficial to have a travel insurance provider that specializes in a niche. Having such a provider enables consumers to get the highest level of care, designed specifically for the trip they’re taking, knowing from experience the unique situations that may arise.
Red Sky offers the following kinds of coverage:
- Trip Cancellation / Interruption
Red Sky Sun Trip Preserver
This plan provides trip protection insurance, as well as medical and personal effects coverage. It is designed with travelers visiting coastal areas in mind, with worldwide emergency assistance, and emergency assistance included. It covers hurricane and weather-based incidents.
Red Sky Mountain Trip Preserver
The Mountain Trip Preserver plan provides coverage for incidents related to mountain-based trips, such as a lack of snowfall causing a ski resort to close unexpectedly.
This plan is suited for travelers heading for a holiday in a mountain region where there might be concerns of a storm disrupting travel, or the opposite, a lack of expected precipitation.
![red travel insurance](https://www.insuranceblogbychris.com/wp-content/uploads/2021/01/GET-A-FREE-QUOTE-1.png)
Red Sky Ski Trip Preserver
This is one of the most unique plans offered in the travel insurance industry. It provides vacation rental managers the only coverage that protects against a lack of snow in ski destinations throughout the U.S. and Canada.
Guests are thereby protected against the costs incurred by an interrupted or canceled ski trip and other incidents that occur during skiing holidays such as a personal injury.
Red Sky Ski Pass Preserver
If you regularly take skiing trips, this is the plan for you. It provides coverage for any financial losses incurred when you’re unable to take advantage of your season pass at a ski resort, if due to a covered unforeseen reason.
It even covers the remaining cost of your season pass.
This unconventional plan may be difficult to find with another provider, even if you shop around.
This company doesn’t provide coverage for consumers that have pre-existing medical conditions. If you’re in the market for that type of plan, you may be better off researching other providers .
Red Sky Travel Insurance Costs
Travel insurance is sold on a case-by-case basis, and as such, there’s no fixed price. Individuals can pay different prices for the same plans, thanks in part to three primary factors that help determine the cost of a travel insurance premium: age, trip length, and destination.
Most of the time, your age and medical history are the biggest influences on the price of your premium.
For instance, the cost of travel insurance for a healthy twenty-something is usually considerably less than for someone in their 60s with a pre-existing medical condition. Consumers who are more likely to make a claim are considered a higher risk by insurance providers, and their premiums reflect this.
Your destination also impacts the price you pay, particularly if you’re making an international trip. Countries that have higher violent crime rates or poor sanitation and health care may cause the cost of your insurance to rise.
Whether you are traveling for a few days or a couple of months also impacts the price of your Red Sky trip insurance. When you’re away for more extended periods, it’s more likely that you might need medical attention. Expect your insurance premium to reflect this.
Fortunately, Red Sky offers annual plans that are better suited to the needs of constant travelers. Annual plans are often a good way to save money on your insurance, and if you’re a frequent traveler, it may be a worthy investment.
The company issues refunds after ten days from the date you purchased your policy, as long as you haven’t already left on your trip. This policy gives you time to read over your plan document and study all the exclusions.
Red Sky Travel Insurance Customer Reviews & Reputation
Thanks to the internet, it’s never been easier to find information about a company before you commit to purchasing one of its products. You should always check out customer reviews online. This is especially important with insurance companies, as even little problems may influence your decision.
In most instances, it’s a good idea to check out reviews of the insurance company and its plan administrator. In this case, Red Sky itself is the plan administrator, and its presence in reviews is virtually non-existent, limited to 15 complaints on the Better Business Bureau over the past three years.
Red Sky’s underwriter, Arch Insurance Company, has a rating of A+ from the Better Business Bureau and has been a BBB-accredited business since 2012. Arch has received, on average, around 16 complaints over three years. This is considerably lower than many of its competitors.
Trustpilot is often an excellent place to look at consumer reviews. Unfortunately, neither Red Sky nor its underwriter have a presence there.
Red Sky Travel Insurance Customer Assistance Service
These days, it’s almost expected for a company to offer as much online services as possible, so that the customer experience is sleek and user-friendly. Unfortunately, Red Sky doesn’t provide its customers with much online support or any resources on its website to help with travel queries. This is disappointing, as the majority of the travel insurance industry provides a lot more online assistance.
The company does offer 24/7 support. When you’re away, whether it’s a couple of states over or halfway around the world, you can always reach someone from Red Sky. This is standard practice for travel insurance firms and doesn’t make up for the lack of a streamlined digital experience. Claims can be filed digitally, but any evidence must be mailed, further complicating the process.
There’s not much offered in the way of concierge services, but there is an emergency roadside assistance service available as an add-on. This can be useful, as it’s often tricky reaching ski resorts, especially when the weather is as snowy as you hope it will be.
Red Sky Travel Insurance Financial Strength
An insurance provider’s financial strength is of vital concern to consumers, as an economically weak company may not be able to honor the policies that it writes. There are independent agencies that look at the activities of insurance providers and issues financial strength ratings and in some instances, grades their economic outlook.
This company’s underwriter, Arch Insurance Company, has received the following ratings:
- Standard and Poor’s: A+
- Moody’s Investors Service: A2
- A. M. Best: A+
The above scores should provide policyholders with the security of knowing that if a claim is covered, the company has the wherewithal to pay it.
Red Sky Phone Number & Contact Information
- Homepage URL: https://www.redskyinsurance.com/
- Provider Phone: 1-866-549-5283
- Headquarters Address: Red Sky Travel Insurance, Post Office Box 750, Kitty Hawk, NC 27949
- Year Founded: 2008
Additional Providers
There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.
These companies didn’t make our list of top providers but we have created some more detailed reviews that you can view below:
- Allianz Travel Insurance Review
- Aon Travel Insurance Review
- Carnival Travel Insurance Review
- Chubb Travel Insurance Review
- CSA Travel Insurance Review
- Expedia Travel Insurance Review
- Hotwire Travel Insurance Review
- IMG Travel Insurance Review
- InsureMyTrip Travel Insurance Review
- JetBlue Travel Insurance Review
- John Hancock Travel Insurance Review
- Medjet Medical Transport Insurance Review
- Orbitz Travel Insurance Review
- Patriot Travel Insurance Review
- Priceline Travel Insurance Review
- Progressive Travel Insurance Review
- Ripcord Travel Insurance Review
- Travel Insured International
- Travelex Travel Insurance Review
- USAA Travel Insurance Review
- USI Affinity Travel Insurance Review
- World Nomads Travel Insurance Review
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The best travel insurance policies and providers
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It's easy to dismiss the value of travel insurance until you need it.
Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.
Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.
Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.
Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.
So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.
In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.
The best travel insurance providers
To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .
When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.
AIG Travel Guard
AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-10.51.40-AM.png?width=3840)
AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.
Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.
Preexisting conditions
Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:
- You purchase the plan within 15 days of your initial trip payment.
- The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
- You must be medically able to travel when you purchase your plan.
Standout features
- The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
- You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
- Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.
Purchase your policy here: AIG Travel Guard .
Allianz Travel Insurance
Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-11.00.49-AM.png?width=3840)
If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2021/08/travel-insurance-allianz-annual.png?width=3840)
See Allianz's coverage alert for current information on COVID-19 coverage.
Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:
- You purchased the policy within 14 days of the date of the first trip payment or deposit.
- You were a U.S. resident when you purchased the policy.
- You were medically able to travel when you purchased the policy.
- On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
- Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
- Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
- For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.
Purchase your policy here: Allianz Travel Insurance .
American Express Travel Insurance
American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.28.52-PM.png?width=3840)
Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.34.11-PM.png?width=3840)
The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.
Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:
- You must be medically able to travel at the time you pay the policy premium.
- You pay the policy premium within 14 days of making the first covered trip deposit.
- Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
- Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
- American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.
Purchase your policy here: American Express Travel Insurance .
GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.
Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.36.13-PM.png?width=3840)
The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.37.42-PM.png?width=3840)
In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2021/08/travel-insurance-geoblue-annual.png?width=3840)
Be sure to check out GeoBlue's COVID-19 notices before buying a plan.
Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.
- GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
- GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.
Purchase your policy here: GeoBlue .
IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2021/08/travel-insurance-img-global.png?width=3840)
You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2021/08/travel-insurance-img-global-annual.png?width=3840)
See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.
Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.
For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.
- Some annual multi-trip plans are modestly priced.
- iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.
Purchase your policy here: IMG .
Travelex Insurance
Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.43.51-PM.png?width=3840)
See Travelex's COVID-19 coverage statement for coronavirus-specific information.
Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:
- You purchase the plan within 15 days of the initial trip payment.
- The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
- All insured individuals are medically able to travel when they pay the plan cost.
- The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
- Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
- Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
- For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.
Purchase your policy here: Travelex Insurance .
Seven Corners
Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2021/08/travel-insurance-seven-corners.png?width=3840)
Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.47.25-PM.png?width=3840)
See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.
Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:
- You buy this plan within 20 days of making your initial trip payment or deposit.
- You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
- You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
- Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
- You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
- Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.
Purchase your policy here: Seven Corners .
World Nomads
World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.
World Nomads offers two single-trip plans.
![red travel insurance](https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/Screenshot-2023-03-27-at-12.51.06-PM.png?width=3840)
World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.
World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.
- World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
- World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.
Purchase your policy here: World Nomads .
Other options for buying travel insurance
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This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.
You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.
Related: Should you get travel insurance if you have credit card protection?
Is travel insurance worth getting?
Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.
However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.
What is the best COVID-19 travel insurance?
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There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.
However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.
Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.
Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.
Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.
What are the different types of travel insurance?
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Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:
- Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
- Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
- Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
- Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
- Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
- Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
- Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
- Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.
Should I buy travel health insurance?
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If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.
If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.
How much does travel insurance cost?
Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.
The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.
When and how to get travel insurance
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For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.
However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.
You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.
Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.
Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.
Related: 7 times your credit card's travel insurance might not cover you
Bottom line
Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.
For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.
If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.
Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .
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Insured nomads, travelex insurance services.
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Arch Red Sky Insurance Reviews
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This insurance company is compassionate…
This insurance company is compassionate and caring in how they treat their clients. I’m happy we purchased this insurance for a trip we had planned but ultimately could not take. I would recommend this company.
Date of experience : May 24, 2024
Reply from Arch Red Sky Insurance
Julie, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
So much good information snd z Cory was…
So much good information snd z Cory was so kind.
Date of experience : June 11, 2024
My experience was positive
I had a couple issues with the documentation uploading process (my own error) and the customer service representative was very pleasant and helpful in getting things straightened out. Any email correspondence was prompt and I was kept updated in regard to the status of my claim. The claim was paid quickly.
Date of experience : May 28, 2024
M L, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Canceled Trip Due to Medical Emergency
I needed to cancel our trip due to a medical emergency that is continuing. Arch Red Sky was very patient as I had to cater to my wife as I tried to process all the requisite paperwork to process the claim. Nichole was terrific and the online process was straightforward. Well done! I'll always take out travel insurance in the future ... you never know what's going to happen.
Date of experience : May 03, 2024
Ted, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Superb Insurance Firm
I’m 80 years old and quite honestly I’ve never experienced such a professional insurance firm as yours. You are to be commended for your expediency and constant communications. Maxwell, who represented your firm for us, was terrific. Thank you. We will use you again as well as recommend you to our friends.
Date of experience : May 09, 2024
Donald, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Efficient review.Overall the process of review was…
Overall the process of review was efficient after submission of forms.
Date of experience : June 04, 2024
Harry, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
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!!
Date of experience : April 06, 2024
Effective service in progress
Our cooperation with Red Sky was short-lived. I won't argue with the fact that they have a reputation and experience of working exclusively with professionally managed vacation rental companies. But they could use a little bit of a boost in terms of efficient service. The registration process was delayed because they do not respond immediately. And the vacation and the place of stay looked great.
Date of experience : April 19, 2024
Maybelle, 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
Good investment
Responsive and prompt handling of our claim. Will recommend for those who travel.
Date of experience : May 21, 2024
Jim, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
I received fast service on my trip insurance claim!
I received fast service on my trip insurance claim. The web site was easier to use than I have experienced in the past. I had all of my receipts saved in case I needed to file a claim, so that was important. Thank you for your prompt attention!
Date of experience : April 15, 2024
Kenneth, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Very fast, very easy to submit our claim. We had to file a claim due to a weather-related closure that affected our destination. We got a refund within a few days via Zelle direct to our bank account.
Date of experience : March 26, 2024
Bryan, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Your services were fine
Your services were fine. I was happy to receive a check for $500 which was my original claim. I finally received a refund from the condo company which they never should have charged me for as I canceled within their cancellation policy. Won’t be going there anymore. Thank you.
Date of experience : March 11, 2024
Sandra, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Once I got information you requested to…
Once I got information you requested to you, your response and approval of my claim was next day. I appreciate your promptness and helpful agents in processing this claim.
Date of experience : April 29, 2024
James, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Multiple calls & emails for a simple…
Multiple calls & emails for a simple claim filing. Kept getting requests for more information without any feedback. Had to call information request person twice then no word from claims adjuster for weeks. Then adjuster mistakenly stated not eligible for insurance. If didn’t know better, experience is typical run around that give insurers a bad name. Almost as if insurer wanted any way possible to frustrate insured to avoid paying claim.
Date of experience : May 28, 2022
Khiem-Anh, Thank you for taking the time to reach out to us. On average it takes 30 days or more to adjudicate a claim upon receipt of all required documentation. Upon receipt of the additional information, the claim was processed within our normal timeframe and paid accordingly. Regards, The Red Sky Team
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
Date of experience : February 28, 2023
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
Efficient, thorough and settled quickly
Website was easy to use. Doctor’s submission was requested by myself; however, dr office was dragging their feet and I had to keep calling. Red Sky kept me advised the claim was open and offered an option. That helped resolve claim quickly. Always get travel insurance. Stuff happens even with the best plans.
Date of experience : October 20, 2023
Nancy, Thank you for your review. We're glad you were satisfied with our services. We look forward to protecting your next trip! Regards, The Arch Red Sky Team
Terrible Claim Settlement Process! …
Had to make several calls and submit tons of information twice because they said they never received first set of required information even though representative verified claim. Sent registered mail 2nd time to make sure they received it. Kept switching who was the administrator for claim on each call which was several. Took way too long to settle 3 months. Would never use Red Sky if possible!
Date of experience : June 29, 2022
Marty, 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
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Red Sky Honored Hurricane Ian Claim
We purchased RedSky Travel Insurance via a booking with Garden City Realty in Myrtle Beach. Hurricane Ian had a direct hit near our condo a day before our scheduled arrival. Garden City Realty informed us that the condo would not be inhabitable on the first day of our trip. We canceled the entire week. Although it appeared that by the 3rd day of the week, we could have got into our rental, Red Sky Insurance honored the claim and paid in full.
Date of experience : October 26, 2022
Rob, Thank you for your review. We're glad you were satisfied with our services. We hope you keep us in mind for your next trip! Regards, The Arch Red Sky Team
Bought travel insurance for a vacation rental…
Bought travel insurance for a house rental in San Diego. When our trip was cancelled by the property company citing COVID concerns, we filed a claim with RedSky who promptly, and without any clarifying questions to us, cancelled our claim. We had no recourse and lost thousands of dollars. Like any insurance company, Red Sky Insurance will give you “reasons” why they don’t cover your claim. In the end, if insurance companies do not actually “insure” you and your situation, it’s like a boat with a hole in it. It won’t accomplish what you had hoped.
Date of experience : December 23, 2021
Brad, Thank you for reaching out to us. Travel insurance is a named peril insurance, meaning only covered events outlined in the policy are insured. In order to be eligible for coverage for trip cancellation, the trip must be cancelled for a covered reason outlined in the policy. Border closures and stay-at-home orders are not among them. 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 more questions regarding your claim, please contact us at 866-889-7409. Regards, The Red Sky Team
RedSky is #1
I have never purchased travel insurance but with the current state of everything, especially travel, and the cost of this trip, I decided to purchase it. Grateful I did because the event that faced us just prior to the trip was covered. The claim process was very smooth, communication was excellent, and their decision was prompt! I received a full refund and will definitely use them again in the future. 5 STARS! Highly recommend!
Date of experience : October 18, 2023
March 25, 2021
Red Sky Travel Insurance Selected by Vacasa as Travel Insurance Provider
Guests Can Book Vacation Rentals with Confidence as Company Sees Record Levels of New Reservations
HUNT VALLEY, Md.–(BUSINESS WIRE)– Red Sky Travel Insurance, an Arch Insurance affiliate, today announced that Vacasa, a leading vacation rental management platform in North America, has selected Red Sky as its primary travel insurance partner.
Vacasa guests now have access to Red Sky’s travel insurance products and award-winning customer service and claims teams when they book directly on vacasa.com . Red Sky’s products offer protection against financial losses caused by covered trip cancellations and interruptions, as well as medical emergencies. Such products are underwritten by individual member companies within Arch Insurance North America.
“The vacation rental industry continues to see record demand as increasing numbers of travelers look to find vacation properties that meet specific and often unique needs,” said Laird Sager, President of Red Sky. “We’re pleased to offer our travel protection through Vacasa, providing our excellent travel insurance products through their trained agents to their valued customers.”
Vacasa guests interested in purchasing Arch travel insurance to help protect their travel plans can work with their Vacasa Customer Experience agent or purchase insurance directly from the Vacasa website.
“We’re thrilled to be working with Red Sky as they have demonstrated a track record of exemplary customer service, technology innovation and responsiveness,” said Bob Milne, Chief Operations Officer for Vacasa. “Our partnership with Red Sky provides our customers with confidence, knowing that their travel investment is protected if an unexpected event requires them to cancel or interrupts their trip for any covered reason included in their policy.”
About Red Sky
Red Sky Travel Insurance provides insurance coverage exclusively to the vacation rental industry. Their Trip Preserver products are used by vacation rental managers for trip cancellation, hurricane protection, ski insurance and more. Red Sky is an individual member company of Arch Insurance North America.
About Arch Insurance North America
Arch Insurance North America, part of Arch Capital Group Ltd., includes Arch’s insurance operations in the United States and Canada.
About Arch Capital Group Ltd.
Arch Capital Group Ltd., a publicly listed Bermuda exempted company with approximately $15.8 billion in capital at Dec. 31, 2020, provides insurance, reinsurance and mortgage insurance on a worldwide basis through its wholly owned subsidiaries.
Cautionary Note Regarding Forward-Looking Statements
The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” for forward-looking statements. This release or any other written or oral statements made by or on behalf of Arch Capital Group Ltd. and its subsidiaries may include forward-looking statements, which reflect our current views with respect to future events and financial performance. All statements, other than statements of historical fact, included in or incorporated by reference in this release are forward-looking statements.
Forward-looking statements can generally be identified by the use of forward-looking terminology such as “may,” “will,” “expect,” “intend,” “estimate,” “anticipate,” “believe” or “continue” or their negative or variations or similar terminology. Forward-looking statements involve our current assessment of risks and uncertainties. Actual events and results may differ materially from those expressed or implied in these statements. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward-looking statements includes the following: adverse general economic and market conditions; increased competition; pricing and policy term trends; fluctuations in the actions of rating agencies and the Company’s ability to maintain and improve its ratings; investment performance; the loss of key personnel; the adequacy of the Company’s loss reserves, severity and/or frequency of losses, greater than expected loss ratios and adverse development on claim and/or claim expense liabilities; greater frequency or severity of unpredictable natural and man-made catastrophic events , including pandemics such as COVID-19; the impact of acts of terrorism and acts of war; changes in regulations and/or tax laws in the United States or elsewhere; the Company’s ability to successfully integrate, establish and maintain operating procedures as well as consummate acquisitions and integrate the businesses the Company has acquired or may acquire into the existing operations; changes in accounting principles or policies; material differences between actual and expected assessments for guaranty funds and mandatory pooling arrangements; availability and cost to the Company of reinsurance to manage the Company’s gross and net exposures; the failure of others to meet their obligations to the Company; changes in the method for determining the London Inter-bank Offered Rate (“LIBOR”) and the potential replacement of LIBOR and other factors identified in the Company’s filings with the U.S. Securities and Exchange Commission (“SEC”).
The foregoing review of important factors should not be construed as exhaustive and should be read in conjunction with other cautionary statements that are included herein or elsewhere. All subsequent written and oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by these cautionary statements. The Company undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events or otherwise.
Tag: arch-insurance
Source: Arch Insurance
View source version on businesswire.com : https://www.businesswire.com/news/home/20210325005562/en/
Vice President – Marketing
Arch Insurance Company
[email protected]
Source: Arch Capital Group Ltd.
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Trip Preserver
About 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 threatening storm and it’s starting to look like your plans will be affected.
Fortunately, the 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 the planned vacation along with the ability to plan again.
Plan Highlights
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
- Up to $25,000 medical expense coverage
- Up to $525,000 in emergency medical evacuation coverage
- $200 per day for baggage delay ($1000 maximum)
- Up to $1250 for loss, theft or damage to baggage (including sporting equipment)
Trip Preserver may reimburse for cancellation or interruption due to:
- Lack of snowfall causing ski facility closure
- Your destination vacation home is rendered uninhabitable by a natural disaster
- Mandatory evacuation ordered by local government authorities at your trip destination due to a natural disaster
- Sickness, injury or death of you, a family member, a traveling companion or a service animal
Trip Preserver also provides:
- Worldwide emergency assistance service*
- Emergency roadside assistance service*
*Travel assistance 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. If you don't see your question answered below, please call us at 1-866-889-7409 or send a message to [email protected] .
HOW CAN I PURCHASE A RED SKY TRAVEL INSURANCE PLAN?
How much does travel insurance cost, what do i need to do if i get covid-19 before, or during my trip, what are the general types of coverage included in the trip preserver plan, what is trip cancellation coverage, what is trip interruption coverage, if i get sick or hurt while on my trip, is there coverage, what happens if a hurricane hits, what about storm damage, what if there is not enough snow to ski, what about lost luggage, sporting equipment or ski pass, what is a pre-existing medical condition, what is a waiver of the pre-existing medical condition exclusion, who is considered a family member under the plan, when is the best time to purchase trip preserver, can i cancel my plan and get my premium back, where can i find information about filing a claim.
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Table of Contents
How road trip insurance works
How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.
There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.
Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.
Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.
For rental cars
Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .
Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.
Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.
When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).
For your personal vehicle
Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.
Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.
» Learn more: How to find the best travel insurance
With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.
This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.
Here are a few things to consider when looking for road trip insurance:
Whether you’re renting a car.
Where you're traveling.
Whether you already have car insurance.
What types of coverage you’re interested in.
If you’re also planning on flying, cruising or using a ferry.
How long you’ll be gone.
The cost of the plan.
To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.
Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.
![red travel insurance](https://assets.nerdwallet.com/blog/wp-content/uploads/2024/05/IMG-320x192.png)
IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.
$40,000 in rental car coverage — $5,000 more than similar plans.
$250,000 in primary emergency medical coverage .
Pre-existing conditions covered.
Rental car coverage is only for collision, theft or damage to the vehicle.
$40,000 rental car coverage maximum.
AD&D doesn’t cover strokes or any cardiac events.
![red travel insurance](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/03/hth-travel-insurance-logo-320x288.png)
HTH Worldwide
HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.
Covers additional kennel fees for your pet if you’re delayed.
Includes $500,000 in primary emergency medical coverage.
Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.
Max of $35,000 in rental car coverage.
Repatriation of remains covers just $25,000.
Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).
» Learn more: Is Cancel For Any Reason travel insurance worth it?
![red travel insurance](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/usi_affinity.png)
USI Affinity Travel Insurance Services
USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.
Travel delay starting at six hours.
$1 million limit for medical evacuation and repatriation.
$50,000 limit for 24-hour AD&D.
$1,000 rental car insurance maximum.
$100 deductible for rental car insurance.
Maximum trip length of 30 days.
AXA Assistance USA
![red travel insurance](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2024/04/AXA-FINAL-FINAL-320x118.png)
AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.
$50,000 in nonmedical evacuation.
$35,000 in rental car coverage.
Includes coverage for sporting equipment.
Minimum 12-hour travel delay before benefits kick in.
$25,000 limit for 24-hour AD&D.
Max of $35,000 in rental car coverage.
» Learn more: The best travel credit cards right now
We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:
Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.
Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.
Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans.
Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:
![red travel insurance The Platinum Card® from American Express](https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/fd24850b-46ce-4ea8-9314-3594fe77944f/601002dc315bd852b965ea098224b51e27920bb2e281cb1b647a0c70074b3369.jpg)
on American Express' website
![red travel insurance Chase Ink Business Preferred Credit Card](https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/edbd5a54-b48f-4806-a3f1-e8322ec3ec56/f33406c6b417078eb3356166b6de5bad0fecee4dbabba7229451b1dadb10c195.jpg)
on Chase's website
• Primary rental car coverage: Up to the cash value of most rental vehicles.
• Trip delay: Up to $500 per ticket for delays more than 12 hours.
• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Primary rental car coverage: Up to $75,000.
• Trip delay: Up to $500 per ticket for delays more than 6 hours.
• Secondary rental car coverage: Up to $75,000.
• Trip delay: Up to $500 per trip for delays more than 6 hours.
• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
Terms apply.
It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.
If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.
American Express travel insurance disclosures
Insurance Benefit: Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Insurance Benefit: Trip Delay Insurance
Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Insurance Benefit: Trip Cancellation and Interruption Insurance
The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
![red travel insurance Chase Southwest Rapid Rewards® Plus Credit Card](https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/24bd4736-2e44-4530-a828-25cd799a34b7/e99b7c2e247acbd8d215efba93f481c0eb394e2a0d889fa13ca27c11d220bfbf.jpg)
1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.
85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
![red travel insurance](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/06/email-verification-320x318.png)
U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.
6 Best Cancel for Any Reason Travel Insurance Options
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000187-14e4-df41-afef-f6f7eedc0000/travelex.png?update-time=1682434121821&size=responsiveFlow300)
Travelex Insurance Services »
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000187-0fd0-df41-afef-eff365c90000/allianz-travel-pms151-c.png?update-time=1680904678792&size=responsiveFlow300)
Allianz Travel Insurance »
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000187-14eb-df41-afef-f6fbe5ad0000/seven-corners-logo-2-1.png?update-time=1680904709604&size=responsiveFlow300)
Seven Corners »
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000187-5c70-d34a-a387-ffff63b40000/axa-edit1.jpg?update-time=1683841660202&size=responsiveFlow300)
AXA Assistance USA »
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000189-4a6a-d353-af8b-4e7a91db0001/img-logo.jpg?update-time=1689170644614&size=responsiveFlow300)
IMG Travel Insurance »
![red travel insurance red travel insurance](https://www.usnews.com/object/image/00000189-6ed3-d394-a9bf-7edb19a80001/squaremouth-travel-insurance-high-res-blue-2.png?update-time=1689781475245&size=responsiveFlow300)
Squaremouth »
Why Trust Us
U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cancel for Any Reason Travel Insurance Options.
Table of Contents
- Travelex Insurance Services
- Allianz Travel Insurance
- Seven Corners
Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .
That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).
Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.
- AXA Assistance USA
- IMG Travel Insurance
- Squaremouth
Can cancel trip up to 48 hours before departure
Emergency medical coverage is only $50,000
SEE FULL REVIEW »
Reimburses up to 80% of prepaid travel arrangements
Allows you to cancel trip as late as day of departure
"Cancel Anytime" coverage may not be available in every state
CFAR add-on offers up to 75% reimbursement for prepaid travel costs
CFAR coverage can be purchased up to 20 days after initial trip payment
Benefit not available in all states
Get up to 75% of prepaid travel expenses back when you cancel for any reason
10-day money back guarantee if dissatisfied (prior to your trip)
Must purchase CFAR coverage within 14 days of initial trip deposit
Get back up to 75% of the full cost of nonrefundable travel expenses
CFAR coverage can be purchased within up to 20 days of the initial trip deposit
CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services
Compare multiple plans with CFAR coverage in one place
Comparison tool makes it easy to price shop
CFAR coverage reimbursements and fine print vary by company
Frequently Asked Questions
Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.
CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.
If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.
Why Trust U.S. News Travel
Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.
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Mexico Travel Advisory
Travel advisory august 22, 2023, mexico - see state summaries.
Reissued after periodic review with general security updates, and the removal of obsolete COVID-19 page links.
Country Summary: Violent crime – such as homicide, kidnapping, carjacking, and robbery – is widespread and common in Mexico. The U.S. government has limited ability to provide emergency services to U.S. citizens in many areas of Mexico, as travel by U.S. government employees to certain areas is prohibited or restricted. In many states, local emergency services are limited outside the state capital or major cities.
U.S. citizens are advised to adhere to restrictions on U.S. government employee travel. State-specific restrictions are included in the individual state advisories below. U.S. government employees may not travel between cities after dark, may not hail taxis on the street, and must rely on dispatched vehicles, including app-based services like Uber, and regulated taxi stands. U.S. government employees should avoid traveling alone, especially in remote areas. U.S. government employees may not drive from the U.S.-Mexico border to or from the interior parts of Mexico, except daytime travel within Baja California and between Nogales and Hermosillo on Mexican Federal Highway 15D, and between Nuevo Laredo and Monterrey on Highway 85D.
Read the country information page for additional information on travel to Mexico.
Do Not Travel To:
- Colima state due to crime and kidnapping .
- Guerrero state due to crime .
- Michoacan state due to crime and kidnapping .
- Sinaloa state due to crime and kidnapping
- Tamaulipas state due to crime and kidnapping.
- Zacatecas state due to crime and kidnapping .
Reconsider Travel To:
- Baja California state due to crime and kidnapping .
- Chihuahua state due to crime and kidnapping .
- Durango state due to crime .
- Guanajuato state due to crime and kidnapping .
- Jalisco state due to crime and kidnapping .
- Morelos state due to crime .
- Sonora state due to crime and kidnapping .
Exercise Increased Caution When Traveling To:
- Aguascalientes state due to crime .
- Baja California Sur state due to crime .
- Chiapas state due to crime .
- Coahuila state due to crime .
- Hidalgo state due to crime .
- Mexico City due to crime .
- Mexico State due to crime .
- Nayarit state due to crime.
- Nuevo Leon state due to crime and kidnapping .
- Oaxaca state due to crime .
- Puebla state due to crime and kidnapping .
- Queretaro state due to crime .
- Quintana Roo state due to crime .
- San Luis Potosi state due to crime and kidnapping .
- Tabasco state due to crime .
- Tlaxcala state due to crime .
- Veracruz state due to crime .
Exercise Normal Precautions When Traveling To:
- Campeche state
- Yucatan state
Visit our website for Travel to High-Risk Areas .
If you decide to travel to Mexico:
- Keep traveling companions and family back home informed of your travel plans. If separating from your travel group, send a friend your GPS location. If taking a taxi alone, take a photo of the taxi number and/or license plate and text it to a friend.
- Use toll roads when possible and avoid driving alone or at night. In many states, police presence and emergency services are extremely limited outside the state capital or major cities.
- Exercise increased caution when visiting local bars, nightclubs, and casinos.
- Do not display signs of wealth, such as wearing expensive watches or jewelry.
- Be extra vigilant when visiting banks or ATMs.
- Enroll in the Smart Traveler Enrollment Program (STEP) to receive Alerts and make it easier to locate you in an emergency.
- Follow the Department of State on Facebook and Twitter .
- Follow the U.S. Embassy on Facebook and Twitter .
- Review the Country Security Report for Mexico.
- Mariners planning travel to Mexico should check for U.S. maritime advisories and alerts , which include instructions on reporting suspicious activities and attacks to Mexican naval authorities.
- Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist .
- Visit the CDC page for the latest travel health information related to your travel.
Aguascalientes state – Exercise Increased Caution
Exercise increased caution due to crime.
Criminal activity and violence may occur throughout the state.
There are no restrictions on travel for U.S. government employees in Aguascalientes state.
Baja California state – Reconsider Travel
Reconsider travel due to crime and kidnapping.
Transnational criminal organizations compete in the border area to establish narco-trafficking and human smuggling routes. Violent crime and gang activity are common. Travelers should remain on main highways and avoid remote locations. Of particular concern is the high number of homicides in the non-tourist areas of Tijuana. Most homicides appeared to be targeted; however, criminal organization assassinations and territorial disputes can result in bystanders being injured or killed. U.S. citizens and LPRs have been victims of kidnapping.
U.S. government employees must adhere to the noted restrictions:
- Mexicali Valley: U.S. government employees should avoid the Mexicali Valley due to the heightened possibility of violence between rival cartel factions. The boundaries of the restricted area are: to the east, the Baja California/Arizona and Baja California/Sonora borders; to the south, from La Ventana (on Highway 5) due east to the Colorado River; to the west, Highway 5; and to the north, Boulevard Lazaro Cardenas/Highway 92/Highway 1 to Carretera Aeropuerto, from the intersection of Highway 1 and Carretera Aeropuerto due north to the Baja California/California border, and from that point eastward along the Baja California/California border.
- Travelers may use Highways 2 and 2D to transit between Mexicali, Los Algodones, and San Luis Rio Colorado during daylight hours. Travelers may also use Highways 1 and 8 to transit to and from the Mexicali Airport during daylight hours. Travel on Highway 5 is permissible during daylight hours.
There are no other travel restrictions for U.S. government employees in Baja California state. These include high-traffic tourism areas of border and coastal communities, such as Tijuana , Ensenada , and Rosarito .
Baja California Sur state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Baja California Sur state.
Campeche state – Exercise Normal Precautions
Exercise normal precautions.
There are no restrictions on travel for U.S. government employees in Campeche state.
Chiapas state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Chiapas state.
Chihuahua state – Reconsider Travel
Violent crime and gang activity are common. Most homicides are targeted assassinations against members of criminal organizations. Battles for territory between criminal groups have resulted in violent crime in areas frequented by U.S. citizens and U.S. government employees, including restaurants and malls during daylight hours. Bystanders have been injured or killed in shooting incidents. U.S. citizens and LPRs have been victims of kidnapping.
U.S. government employee travel is limited to the following areas with the noted restrictions:
- Ciudad Juarez: U.S. government employees may travel to the area of Ciudad Juarez bounded to the east by Bulevar Independencia; to the south by De los Montes Urales/Avenida Manuel J Clouthier/Carretera de Juárez; to the west by Via Juan Gabriel/Avenida de los Insurgentes/Calle Miguel Ahumada/Francisco Javier Mina/Melchor Ocampo; and to the north by the U.S.-Mexico border. Direct travel to the Ciudad Juarez airport (officially called the Abraham González International Airport) and the factories located along Bulevar Independencia and Las Torres is permitted. Travel to San Jerónimo is permitted only through the United States via the Santa Teresa U.S. Port of Entry; travel via Anapra is prohibited.
U.S. government employees may only travel from Ciudad Juarez to the city of Chihuahua during daylight hours via Federal Highway 45, with stops permitted only at the Guardia Nacional División Caminos station, the Umbral del Milenio overlook area, the border inspection station at KM 35, and the shops and restaurants on Federal Highway 45 in the city of Ahumada.
- U.S. government employees may travel between Ciudad Juarez and Ascension via Highway 2.
- Nuevo Casas Grandes Area (including Nuevo Casas Grandes, Casas Grandes, Mata Ortiz, Colonia Juárez, Colonia LeBaron, Paquimé and San Buenaventura): U.S. government employees may travel to the Nuevo Casas Grandes area during daylight hours via Mexico Federal Highway 2, and subsequently Federal Highway 10, to Nuevo Casas Grandes. Employees are permitted to stay overnight in the cities of Nuevo Casas Grandes and Casas Grandes only.
- City of Chihuahua: U.S. government employees may travel at any time to the area of the city of Chihuahua bounded to the north by Avenida Transformación; to the east by Avenida Tecnológico/Manuel Gómez Morín/Highway 16/Blvd.José Fuentes Mares; to the west by the city boundary; and to the south by Periférico Francisco R. Almada.
- U.S. government employees may travel on Highways 45, 16, and 45D through the city of Chihuahua and to the Chihuahua airport (officially called the General Roberto Fierro Villalobos International Airport).
- U.S. government employees may travel to Santa Eulalia to the east of the city of Chihuahua, as well as to Juan Aldama via Highway 16 to the northeast.
- U.S. government employees may travel south of the city of Chihuahua on Highway 45 to the southern boundary of Parral, including each town directly connected to Highway 45, including Lázaro Cárdenas, Pedro Meoqui, Santa Cruz de Rosales, Delicias, Camargo, Ciudad Jiménez, and Parral itself.
- U.S. government employees may only travel on official business from the city of Chihuahua on Highway 16 to Ciudad Cuauhtémoc bounded by Highway 21 to the north and east, Highway 5 to the west, and Bulevar Jorge Castillo Cabrera to the south.
- Ojinaga: U.S. government employees must travel to Ojinaga via U.S. Highway 67 and enter through the U.S. Port of Entry in Presidio, Texas.
- Palomas: U.S. government employees may travel to Palomas via U.S. highways through the U.S. Port of Entry in Columbus, New Mexico, or via Highway 2 in Mexico.
U.S. government employees may not travel to other areas of Chihuahua, including Copper Canyon .
Coahuila state – Exercise Increased Caution
Violent crime and gang activity occur in parts of Coahuila state.
U.S. government employees must adhere to the following travel restrictions:
- Zaragoza, Morelos, Allende, Nava, Jimenez, Villa Union, Guerrero, and Hidalgo municipalities : U.S. government employees may not travel to these municipalities.
- Piedras Negras and Ciudad Acuña: U.S. government employees must travel directly from the United States and observe a curfew from midnight to 6:00 a.m. in both cities.
There are no other restrictions on travel for U.S. government employees in Coahuila state.
Colima state – Do Not Travel
Do not travel due to crime and kidnapping.
Violent crime and gang activity are widespread. Most homicides are targeted assassinations against members of criminal organizations. Shooting incidents between criminal groups have injured or killed bystanders. U.S. citizens and LPRs have been victims of kidnapping.
Travel for U.S. government employees is limited to the following areas with noted restrictions:
- Manzanillo: U.S. government employee travel is limited to the tourist and port areas of Manzanillo.
- Employees traveling to Manzanillo from Guadalajara must use Federal Toll Road 54D during daylight hours.
U.S. government employees may not travel to other areas of Colima state.
Durango state – Reconsider Travel
Reconsider travel due to crime.
Violent crime and gang activity are common in parts of Durango state.
- West and south of Federal Highway 45: U.S. government employees may not travel to this region of Durango state.
There are no other restrictions on travel for U.S. government employees in Durango state.
Guanajuato state – Reconsider Travel
Gang violence, often associated with the theft of petroleum and natural gas from the state oil company and other suppliers, occurs in Guanajuato, primarily in the south and central areas of the state. Of particular concern is the high number of murders in the southern region of the state associated with cartel-related violence. U.S. citizens and LPRs have been victims of kidnapping.
- Areas south of Federal Highway 45D: U.S. government employees may not travel to the area south of and including Federal Highway 45D, Celaya, Salamanca, and Irapuato.
There are no other restrictions on travel for U.S. government employees in Guanajuato state, which includes tourist areas in: San Miguel de Allende , Guanajuato City , and surrounding areas.
Guerrero state – Do Not Travel
Do not travel due to crime.
Crime and violence are widespread. Armed groups operate independently of the government in many areas of Guerrero. Members of these groups frequently maintain roadblocks and may use violence towards travelers. U.S. citizens and LPRs have been victims of kidnapping in previous years.
Travel for U.S. government employees is limited to the following area with the noted restrictions:
- Taxco: U.S. government employees must use Federal Highway 95D, which passes through Cuernavaca, Morelos, and stay within downtown tourist areas of Taxco. Employees may visit Grutas de Cacahuamilpa National Park during the day with a licensed tour operator.
U.S. government employees may not travel to other areas of the state of Guerrero, including to tourist areas in Acapulco , Zihuatanejo , and Ixtapa .
Hidalgo state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Hidalgo state.
Jalisco state – Reconsider Travel
Violent crime and gang activity are common in parts of Jalisco state. In Guadalajara, territorial battles between criminal groups take place in tourist areas. Shooting incidents between criminal groups have injured or killed innocent bystanders. U.S. citizens and LPRs have been victims of kidnapping.
- Jalisco-Michoacan border and Federal Highway 110: U.S. government employees may not travel to the area between Federal Highway 110 and the Jalisco-Michoacan border, nor travel on Federal Highway 110 between Tuxpan, Jalisco, and the Michoacan border.
- Federal Highway 80: U.S. government employees may not travel on Federal Highway 80 south of Cocula.
There are no other restrictions on travel for U.S government employees in Jalisco state which includes tourist areas in: Guadalajara Metropolitan Area , Puerto Vallarta (including neighboring Riviera Nayarit) , Chapala , and Ajijic .
Mexico City (Ciudad de Mexico) – Exercise Increased Caution
Both violent and non-violent crime occur throughout Mexico City. Use additional caution, particularly at night, outside of the frequented tourist areas where police and security patrol more routinely. Petty crime occurs frequently in both tourist and non-tourist areas.
There are no restrictions on travel for U.S. government employees in Mexico City.
Mexico State (Estado de Mexico) – Exercise Increased Caution
Both violent and non-violent crime occur throughout Mexico State. Use additional caution in areas outside of the frequented tourist areas, although petty crime occurs frequently in tourist areas as well.
There are no restrictions on travel for U.S. government employees in Mexico State.
Michoacan state – Do Not Travel
Do not travel due to crime and kidnapping.
Crime and violence are widespread in Michoacan state. U.S. citizens and LPRs have been victims of kidnapping.
Travel for U.S. government employees is limited to the following areas with the noted restrictions:
- Federal Highway 15D: U.S. government employees may travel on Federal Highway 15D to transit the state between Mexico City and Guadalajara.
- Morelia: U.S. government employees may travel by air and by land using Federal Highways 43 or 48D from Federal Highway 15D.
- Lazaro Cardenas: U.S. government employees must travel by air only and limit activities to the city center or port areas.
U.S. government employees may not travel to other areas of the state of Michoacan, including the portions of the Monarch Butterfly Reserve located in Michoacan.
Morelos state – Reconsider Travel
Violent crime and gang activity are common in parts of Morelos state.
There are no restrictions on travel for U.S. government employees in Morelos state.
Nayarit state – Exercise Increased Caution
Criminal activity and violence may occur throughout Nayarit state.
There are no restrictions on travel for U.S government employees in Nayarit state.
Nuevo Leon state – Exercise Increased Caution
Exercise increased caution due to crime and kidnapping.
Criminal activity and violence may occur throughout the state. U.S. citizens and LPRs have been victims of kidnapping.
There are no restrictions on travel for U.S. government employees in Nuevo Leon state.
Oaxaca state – Exercise Increased Caution
Criminal activity and violence occur throughout the state.
U.S. travelers are reminded that U.S. government employees must adhere to the following travel restrictions:
- Isthmus region: U.S. government employees may not travel to the area of Oaxaca bounded by Federal Highway 185D to the west, Federal Highway 190 to the north, and the Oaxaca-Chiapas border to the east. This includes the cities of Juchitan de Zaragoza, Salina Cruz, and San Blas Atempa.
- Federal Highway 200 northwest of Pinotepa: U.S. government employees may not use Federal Highway 200 between Pinotepa and the Oaxaca-Guerrero border.
There are no restrictions on travel for U.S. government employees to other parts of Oaxaca state, which include tourist areas in: Oaxaca City , Monte Alban , Puerto Escondido, and Huatulco .
Puebla state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Puebla state.
Queretaro state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Queretaro state.
Quintana Roo state – Exercise Increased Caution
Criminal activity and violence may occur in any location, at any time, including in popular tourist destinations. Travelers should maintain a high level of situational awareness, avoid areas where illicit activities occur, and promptly depart from potentially dangerous situations.
While not directed at tourists, shootings between rival gangs have injured innocent bystanders. Additionally, U.S. citizens have been the victims of both non-violent and violent crimes in tourist and non-tourist areas.
There are no restrictions on travel for U.S. government employees in Quintana Roo state. However, personnel are advised to exercise increased situational awareness after dark in downtown areas of Cancun, Tulum, and Playa del Carmen, and to remain in well-lit pedestrian streets and tourist zones.
San Luis Potosi state – Exercise Increased Caution
Criminal activity and violence may occur throughout the state. U.S. citizens and LPRs have been victims of kidnapping.
There are no restrictions on travel for U.S. government employees in San Luis Potosi state.
Sinaloa state – Do Not Travel
Violent crime is widespread. Criminal organizations are based in and operating in Sinaloa. U.S. citizens and LPRs have been victims of kidnapping.
- Mazatlan: U.S. government employees may travel to Mazatlan by air or sea only, are limited to the Zona Dorada and historic town center, and must travel via direct routes between these destinations and the airport and sea terminal.
- Los Mochis and Topolobampo: U.S. government employees may travel to Los Mochis and Topolobampo by air or sea only, are restricted to the city and the port, and must travel via direct routes between these destinations and the airport.
U.S. government employees may not travel to other areas of Sinaloa state.
Sonora state – Reconsider Travel
Sonora is a key location used by the international drug trade and human trafficking networks. Violent crime is widespread. U.S. citizens and LPRs have been victims of kidnapping. Travelers should maintain a heightened level of awareness of their surroundings in all their travels in Sonora. Security incidents may occur in any area of Sonora.
- Travel between Hermosillo and Nogales: U.S. government employees may travel between the U.S. Ports of Entry in Nogales and Hermosillo during daylight hours via Federal Highway 15 only. U.S. government employees may not use ANY taxi services, public buses, nor ride-share applications due to a lack of secure vetting and/or dispatching procedures. Travelers should exercise caution and avoid unnecessary stops as security incidents, including sporadic, armed carjackings, and shootings have been reported along this highway during daylight hours. Travelers should have a full tank of gas and inform friends or family members of their planned travel.
- Nogales: U.S. government employees may not travel in the triangular area north of Avenida Tecnologico, west of Bulevar Luis Donaldo Colosio (Periferico), nor east of Federal Highway 15D (Corredor Fiscal). U.S. government employees also may not travel in the residential and business areas to east of the railroad tracks along Plutarco Elias Calle (HWY 15) and Calle Ruiz Cortino, including the business area around the Morley pedestrian gate port-of-entry. U.S. government employees may not use ANY taxi services, public buses, nor ride-share applications in Nogales due to a lack of secure vetting and/or dispatching procedures and the danger of kidnapping and other violent crimes.
- Puerto Peñasco: U.S. government employees may travel between Puerto Peñasco and the Lukeville-Sonoyta U.S. Port of Entry during daylight hours via Federal Highway 8 only. They may not travel on any other route to Puerto Peñasco. U.S. government employees may not use ANY taxi services, public buses, nor ride-share applications in Puerto Peñasco. due to a lack of secure vetting and/or dispatching procedures and the danger of kidnapping and other violent crimes.
- Triangular region near Mariposa U.S. Port of Entry: U.S. government employees may not travel into or through the triangular region west of the Mariposa U.S. Port of Entry, east of Sonoyta, and north of Altar municipality.
- San Luis Rio Colorado, Cananea, and Agua Prieta : U.S. government employees may travel directly from the nearest U.S. Port of Entry to San Luis Rio Colorado, Cananea (via Douglas Port of Entry), and Agua Prieta, but may not go beyond the city limits. Travel is limited to daylight hours only. Travel between Nogales and Cananea via Imuris is not permitted. U.S. government employees may not use ANY taxi services, public buses, nor ride-share applications in these cities due to a lack of secure vetting and/or dispatching procedures and the danger of kidnapping and other violent crimes.
- Eastern and southern Sonora (including San Carlos Nuevo Guaymas and Alamos): U.S. government employees may not travel to areas of Sonora east of Federal Highway 17, the road between Moctezuma and Sahuaripa, and State Highway 20 between Sahuaripa and the intersection with Federal Highway 16. U.S. government employees may travel to San Carlos Nuevo Guaymas and Alamos; travel to Alamos is only permitted by air and within city limits. U.S. government employees may not travel to areas of Sonora south of Federal Highway 16 and east of Federal Highway 15 (south of Hermosillo), as well as all points south of Guaymas, including Empalme, Guaymas, Obregon, and Navojoa. U.S. government employees may not use ANY taxi services, public buses, nor ride-share applications in these areas due to a lack of secure vetting and/or dispatching procedures and the danger of kidnapping and other violent crimes.
U.S. government employees may travel to other parts of Sonora state in compliance with the above restrictions, including tourist areas in: Hermosillo , Bahia de Kino , and Puerto Penasco .
Tabasco state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Tabasco state.
Tamaulipas state – Do Not Travel
Organized crime activity – including gun battles, murder, armed robbery, carjacking, kidnapping, forced disappearances, extortion, and sexual assault – is common along the northern border and in Ciudad Victoria. Criminal groups target public and private passenger buses, as well as private automobiles traveling through Tamaulipas, often taking passengers and demanding ransom payments.
Heavily armed members of criminal groups often patrol areas of the state and operate with impunity particularly along the border region from Reynosa to Nuevo Laredo. In these areas, local law enforcement has limited capacity to respond to incidents of crime. Law enforcement capacity is greater in the tri-city area of Tampico, Ciudad Madero, and Altamira, which has a lower rate of violent criminal activity compared to the rest of the state.
U.S. citizens and LPRs have been victims of kidnapping.
- Matamoros and Nuevo Laredo: U.S. government employees may only travel within a limited radius around and between the U.S. Consulates in Nuevo Laredo and Matamoros, their homes, the respective U.S. Ports of Entry, and limited downtown sites, subject to an overnight curfew.
- Overland travel in Tamaulipas: U.S. government employees may not travel between cities in Tamaulipas using interior Mexican highways. Travel between Nuevo Laredo and Monterrey is limited to Federal Highway 85D during daylight hours with prior authorization.
U.S. government employees may not travel to other parts of Tamaulipas state.
Tlaxcala state – Exercise Increased Caution
There are no restrictions on travel for U.S. government employees in Tlaxcala state.
Veracruz state – Exercise Increased Caution
Violent crime and gang activity occur with increasing frequency in Veracruz, particularly in the center and south near Cordoba and Coatzacoalcos. While most gang-related violence is targeted, violence perpetrated by criminal organizations can affect bystanders. Impromptu roadblocks requiring payment to pass are common.
There are no restrictions on travel for U.S. government employees in Veracruz state.
Yucatan state – Exercise Normal Precautions
There are no restrictions on travel for U.S. government employees in Yucatan state, which include tourist areas in: Chichen Itza , Merida , Uxmal , and Valladolid .
Zacatecas state – Do Not Travel
Violent crime, extortion, and gang activity are widespread in Zacatecas state. U.S. citizens and LPRs have been victims of kidnapping.
- Zacatecas City : U.S. government employee travel is limited to Zacatecas City proper, and employees may not travel overland to Zacatecas City.
- U.S. government employees may not travel to other areas of Zacatecas state.
Travel Advisory Levels
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Prescription Drugs
9 Biggest Changes Under New Rx Law
![A doctor helps his patient understand Medicare and explains all his questions and addresses his concerns. A doctor helps his patient understand Medicare and explains all his questions and addresses his concerns.](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/health/medicare-and-medicaid/2016/11/1140-medicare-tools-aarp.jpg)
Medicare FAQs
Quick Answers to Your Top Questions
Care at Home
Financial & Legal
Life Balance
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LONG-TERM CARE
Understanding Basics of LTC Insurance
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State Guides
Assistance and Services in Your Area
![a man holding his fathers arm as they walk together outside a man holding his fathers arm as they walk together outside](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/caregiving/2021/11/1140x655-dad-son-walking-caregiving.jpeg)
Prepare to Care Guides
How to Develop a Caregiving Plan
![Close up of a hospice nurse holding the hands of one of her patients Close up of a hospice nurse holding the hands of one of her patients](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/caregiving/2019/10/1140x655-hospice-care-hands.jpg)
End of Life
How to Cope With Grief, Loss
Recently Played
Word & Trivia
Atari® & Retro
Members Only
Staying Sharp
Mobile Apps
More About Games
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Right Again! Trivia
![Play AARP Right Again Trivia Sports, an AARP Rewards Game AARP Right Again Trivia Sports and AARP Rewards](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg)
Right Again! Trivia – Sports
![Play your favorite ATARI game Atari, Centipede, Pong, Breakout, Missile Command Asteroids](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg)
Atari® Video Games
![Play Throwback Thursday Crossword , an AARP Rewards Game Throwback Thursday Crossword and AARP Rewards](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png)
Throwback Thursday Crossword
Travel Tips
Vacation Ideas
Destinations
Travel Benefits
![a tent under the stars at Joshua Tree National Park a tent illuminated at Joshua Tree National Park](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile.coreimg.50.276.jpeg/content/dam/aarp/travel/trips/2024/04/1440-joshua-tree-national-park-tent.jpg)
Outdoor Vacation Ideas
Camping Vacations
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Plan Ahead for Summer Travel
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AARP National Park Guide
Discover Canyonlands National Park
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History & Culture
8 Amazing American Pilgrimages
Entertainment & Style
Family & Relationships
Personal Tech
Home & Living
Celebrities
Beauty & Style
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Movies for Grownups
Summer Movie Preview
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Jon Bon Jovi’s Long Journey Back
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Looking Back
50 World Changers Turning 50
![a person in bed giving a thumbs up a person in bed giving a thumbs up](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662154120/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/family-and-friends/2023/11/1140-hand-in-bed-thumbs-up.jpg)
Sex & Dating
Spice Up Your Love Life
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Friends & Family
How to Host a Fabulous Dessert Party
![A tablet displaying smart home controls in a living room a tablet displaying smart home controls in a living room](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662163919/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.png/content/dam/aarp/home-and-family/personal-technology/2024/05/smarthome-package-final-promo.png)
Home Technology
Caregiver’s Guide to Smart Home Tech
![online dating safety tips online dating safety tips](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662163919/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2015-04/1140-online-dating-safety-tips.jpg)
Virtual Community Center
Join Free Tech Help Events
![a hygge themed living room a hygge themed living room](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662183467/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/your-home/2024/01/1140-hygge-hero.jpg)
Create a Hygge Haven
![from left to right cozy winter soups such as white bean and sausage soup then onion soup then lemon coriander soup from left to right cozy winter soups such as white bean and sausage soup then onion soup then lemon coriander soup](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662183467/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1493813325.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/family-and-friends/2024/01/1140-winter-soups-2024.jpg)
Soups to Comfort Your Soul
![red travel insurance red travel insurance](https://aarp.widen.net/content/acflcm0ugz/jpeg/76673_ILLO01.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=4xtngc&w=1140&h=655)
AARP Solves 25 of Your Problems
Driver Safety
Maintenance & Safety
Trends & Technology
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AARP Smart Guide
How to Clean Your Car
![Talk Talk](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662197651/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/health/caregiving/2017/07/1140-talk-park-walk.jpg)
We Need To Talk
Assess Your Loved One's Driving Skills
![AARP AARP](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662197651/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/auto/driver-safety/1140-ads-aarp.jpg)
AARP Smart Driver Course
![A woman using a tablet inside by a window A woman using a tablet inside by a window](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109206936/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140-ss-resiliance.jpg)
Building Resilience in Difficult Times
![A close-up view of a stack of rocks A close-up view of a stack of rocks](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109206936/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140-ss-find-your-calm.jpg)
Tips for Finding Your Calm
![A woman unpacking her groceries at home A woman unpacking her groceries at home](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109206936/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140-ss-weighloss-after-50.jpg)
Weight Loss After 50 Challenge
![AARP Perfect scam podcast AARP Perfect scam podcast](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2018/03/1140x655-perfect-scam-tall.jpg)
Cautionary Tales of Today's Biggest Scams
![Travel stuff on desktop: map, sun glasses, camera, tickets, passport etc. Travel stuff on desktop: map, sun glasses, camera, tickets, passport etc.](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/travel/travel_tips/2020/06/1140-world-map-travel-planning.jpg)
7 Top Podcasts for Armchair Travelers
![jean chatzky smiling in front of city skyline jean chatzky smiling in front of city skyline](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/members-only/member-benefits/2022/12/269x154-jean-chatzky-lock-banner.jpg)
Jean Chatzky: ‘Closing the Savings Gap’
![a woman at home siting at a desk writing a woman at home siting at a desk writing](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109185721/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/video/1140-6311613380112-aarp-minute-videos.jpg)
Quick Digest of Today's Top News
![A man and woman looking at a guitar in a store A man and woman looking at a guitar in a store](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109185721/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/video/1140-6301375305001-top-tips-videos.jpg)
AARP Top Tips for Navigating Life
![two women exercising in their living room with their arms raised two women exercising in their living room with their arms raised](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109185721/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/video/1140-6277707357001-fitness-video-series.jpg)
Get Moving With Our Workout Series
See a full list of benefits and explore all that AARP membership offers.
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All Benefits By Category
Benefits recommended for you, travel (113), car rentals.
AARP Travel Center Powered by Expedia: Car Rentals
Up to 30% off select car rentals
Up to 35% off base rates and other benefits
Budget Truck Rental
10%-20% off truck rentals
Payless® Car Rental
5% off base rates and other benefits
Zipcar Car Sharing
$20 off an annual Zipcar membership
AARP Travel Center Powered by Expedia: Cruises
Up to $100 onboard credit on select cruises
Collette Cruise Tours
$50 off per person on cruise tours
Grand European Travel: Cruises
Up to $100 off luxury river cruises
Holland America Line
Up to $200 onboard credit on select cruises
HX: Hurtigruten Expeditions
5% off cruise fares and a €100 per person onboard credit
Vacations By Rail: Cruises
5% off more than 40 rail and cruise vacations
Flights & Vacation Packages
AARP Travel Center Powered by Expedia: Vacation Packages
$50 gift card of your choice when booking any flight package
Explorations by Collette
$50-$100 off small-group cultural immersion tours
Grand European Travel: Vacation Packages
Up to $100 off guided vacations, including U.S. National Parks
Hotels & Resorts
AARP Travel Center Powered by Expedia: Hotels & Resorts
Up to 10% off select hotels
All Resort Store
10%-25% off resort and vacation rentals
AmericInn® by Wyndham
10% off the best available rate
Ascend Hotel Collection®
Baymont® by Wyndham
Best Western®
5% or more off the best available rate
Best Western Hotels & Resorts
Best Western Plus®
Best Western Premier®
BW Premier Collection® by Best Western
BW Signature Collection® by Best Western
Cambria® Hotels
Canopy by Hilton
Up to 10% off the best available rate and late checkout until 2 p.m. when available
Choice Hotels®
Clarion Pointe®
Comfort® Hotels
Conrad Hotels & Resorts®
Up to 10% off and late checkout until 2 p.m. when available
Country Inn & Suites® by Radisson
Curio Collection by Hilton™
Days Inn® by Wyndham
Dazzler® by Wyndham
Dolce® by Wyndham
DoubleTree by Hilton™
Econo Lodge®
Embassy Suites by Hilton™
Esplendor® Boutique Hotels by Wyndham
Up to 10% off the best available rate
Everhome Suites®
Executive Residency by Best Western®
Extra Holidays
20% off at over 500 resorts throughout the U.S., Mexico and more
Hampton by Hilton™
Hawthorn Suites® by Wyndham
Hilton Garden Inn™
Hilton Grand Vacations™
Hilton Hotels & Resorts
Home2 Suites by Hilton®
Hometowne Studios by Red Roof
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Rail & Tours
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Travel Planning
AARP Destination Guides
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AARP Members Only Access to Special Travel Content
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AARP Travel
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Entertainment (16)
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Health & Wellness (35)
AARP® Dental Insurance Plan administered by Delta Dental Insurance Company
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AARP® Health Savings Account offered by Optum Financial®
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AARP Hearing Center
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AARP Long-Term Care Options from New York Life
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AARP Guaranteed Acceptance Life Insurance from New York Life
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AARP Auto Buying Program powered by TrueCar
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AARP® Auto Insurance Program from The Hartford
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AARP SafeTrip™ App
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How to adjust your fit for maximum safety and comfort
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Restaurants (21)
Auntie Anne’s
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Bonefish Grill®
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Denny's
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Daily Harvest
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Insurance (23)
Coverage up to $150,000 that ends at age 80
Up to $50,000 in coverage with no premium increases
Up to $25,000 in coverage with no premium increases
AARP Life Insurance Options from New York Life
Customized plans to supplement your retirement savings
10% off monthly premiums
Vehicle and Property
AARP® Homeowners Insurance Program from The Hartford
Up to 20% off when you bundle your home and auto policies
AARP® Mobile Home Insurance Program from Foremost®
Insurance for nearly every type of mobile and manufactured home
ATV, Golf Cart & Snowmobile Insurance from The Hartford
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Customized coverage for your boat or watercraft
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AARP® Identity Theft Protection powered by Norton™
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AARP Personal Technology Resource Center
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AARP Tech Guides
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Alexa Emergency Assist from Amazon
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$10 off per line per month on the AT&T Unlimited Premium® PL plan
5% off monthly fees and 30% off accessories
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GrandPad, Powered by Consumer Cellular
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Norton™ 360
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Finances (28)
Banking & investments.
8-Month No-Penalty CD from Marcus by Goldman Sachs®
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AARP® Annuity Marketplace powered by Blueprint Income
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AARP® Digital Banking from Marcus by Goldman Sachs®
Digital banking services for AARP members
AARP® Essential Rewards Mastercard® from Barclays
3% cash back on gas station and eligible drug store purchases
AARP® Travel Rewards Mastercard® from Barclays
3% cash back on airfare, hotel stays and car rentals
High Yield Savings from Marcus by Goldman Sachs®
Rate bonus on high-yield online savings account
Financial Planning
1040 Income Tax Calculator
Estimate your annual income taxes
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AARP Members Only Access to Special Money Content
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AARP Money Map™
Get your finances back on track with a free action plan
Closing the Savings Gap™
Listen to this podcast series focused on women saving for retirement
Interview an Advisor™ Tool
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Savi Student Loan Repayment Tool
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AARP Foundation Local Assistance Directory
Find local food, housing, health and employment services
AARP HomeFit Guide
Download a free guide with smart ways to make a home age-friendly
AARP® Real Estate Benefits by Anywhere
$300-$7,200 benefit on home purchases and sales
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AARP Family Caregiving
Guides, tips and support for family caregivers
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Spark meaningful discussion with customized conversation cards
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Compare costs of long-term care options near you
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Search job opportunities for experienced workers
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IMAGES
COMMENTS
Red Sky offers destination specific travel insurance products for vacation rental management companies and guests. Trusted by Arch Insurance Company, Red Sky provides personalized service and support for hurricane-prone and ski destinations.
The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by ...
Contact your Vacation Rental Company for Pricing and to Purchase. CONTACT OUR CLAIMS TEAM: 1-866-889-7409. [email protected]. The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are ...
Travel Insurance Coverage: This summary is only a brief description of the coverage(s) available under policy series IPRED_PC_02/2021. This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the ...
The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by ...
The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by Out of Towne, LLC. dba Red Sky Travel Insurance (CA ...
Travel insurance that's designed for vacation rentals in coastal destinations, Red Sky's Sun Trip Preserver has been tested by hurricanes and other common reasons for trip cancellation. ... #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by Out of Towne, LLC. dba Red Sky Travel Insurance (CA license ...
The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by ...
Call us at 1-866-549-5283. E-mail us at [email protected]. Our mailing address: Red Sky Travel Insurance. Post Office Box 750. Kitty Hawk, NC 27949.
The best travel insurance companies are PrimeCover, Travel Insured International and WorldTrips, based on our analysis of 42 policies. We evaluated costs and a variety of coverage features to find ...
Red Tide Guard® is designed for vacation travelers visiting beaches and coastal destinations that can be disrupted by red tide or other harmful water events. Our plan includes new and expanded protection for all Florida beaches as well other beautiful beach vacation destinations along the gulf coast of Texas, Louisiana & Alabama. Plan your ...
Red Sky Travel Insurance Coverage & Plans. Red Sky is a leading insurance company that provides coverage exclusively for the vacation rental industry. Cornering this niche has allowed Red Sky to provide travel insurance tailored to the requirements of both vacation rental managers and their guests in lake, coastal, ski, and mountain destinations.
Why we chose it: We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.. Seven Corners' simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or ...
For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.
Coastal travel protection that meets your needs. Get a quote for your next trip. Red Tide offers travel insurance plans that cover trip cancellation, trip interruption & red tide events.
Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...
The marks, Arch Red Sky™, Trip Preserver™ and Red Sky®, used by Red Sky Travel Insurance and Arch Insurance Company are owned by its parent company, Arch Capital Group, Inc. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by ...
RED SKY TRAVEL INSURANCE PRODUCTS. Vacation plans are more than just routine travel plans. In many cases, renting a vacation home is the culmination of hopes, dreams and savings that are months or years in the making. With unforeseen travel problems like trip delays, travel illness, unpredictable weather or lost baggage occurring more ...
Arch Red Sky Insurance offers travel insurance for the vacation rental industry, providing coverage for coastal, lake, ski and mountain destinations. Contact. [email protected]; 866-549-5283; 11350 McCormick Rd, Ste 102, Executive Plaza IV; 21085; Hunt Valley, MD; United States;
The OneTrip Prime plan is a great option for families who want more than basic coverage for their vacation, as it includes: Trip cancellation coverage worth up to $100,000. Trip interruption ...
Redpoint Travel Protection. 12333 Sowden Rd Ste B. Houston, TX 77080 | View on Google Maps. 4154810610.
Red Tide Guard® Beach Vacation Protection Plan. from $299.00. Red Tide Guard® Plan Benefits Include: Trip Cancellation: Up to 100%. Reimburses non-refundable payments or deposits if you must cancel your trip before departure due to covered red tide events. Trip Interruption: Up to 100%.
Red Sky Travel Insurance, an Arch Insurance affiliate, today announced that Vacasa, a leading vacation rental management platform in North America, has selected Red Sky as its primary travel insurance partner. Vacasa guests now have access to Red Sky's travel insurance products and award-winning customer service and claims teams when they ...
Joint Travel Regulations. The Joint Travel Regulations (JTR) implements policy and law to establish travel and transportation allowances for Uniformed Service members (i.e., Army, Navy, Air Force, Marine Corps, Space Force, Coast Guard, National Oceanic and Atmospheric Administration Commissioned Corps, and Public Health Service Commissioned Corps), Department of Defense (DoD) civilian ...
Travel insurance that's designed for vacation rentals in all destinations, Red Sky's Trip Preserver plan has been tested by weather events and other common reasons for trip cancellation. ... #11150), under certain policy series, including LTP 2013 and amendments thereto, and offered by Out of Towne, LLC. dba Red Sky Travel Insurance (CA license ...
Compare Quotes. Via Forbes Advisor's Website. The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 ...
IMG's iTravelInsured Travel SE plan came out significantly cheaper than competitors' plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections. Pros ...
Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage ...
Reissued after periodic review with general security updates, and the removal of obsolete COVID-19 page links. Country Summary: Violent crime - such as homicide, kidnapping, carjacking, and robbery - is widespread and common in Mexico.The U.S. government has limited ability to provide emergency services to U.S. citizens in many areas of Mexico, as travel by U.S. government employees to ...
From travel and insurance to fraud protection, AARP has you covered. See a full list here. Explore all the benefits that come with AARP membership. From travel and insurance to fraud protection, AARP has you covered. ... Hometowne Studios by Red Roof. 10% off the best available rate. Homewood Suites by Hilton™ ...