Arch Red Sky Insurance offers travel insurance for the vacation rental industry, providing coverage for coastal, lake, ski and mountain destinations.
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Is Arch Red Sky Insurance legit?
Arch Red Sky Insurance (redskyinsurance.com) has a 4.2 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 13% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, Refund. Last updated 2026-09-05.
What reviewers say
AI generated
Reviewers had a great experience with this company. Customers frequently appreciate how easy and straightforward it is to complete the online claim forms and quickly upload the necessary documentation. People also warmly mention that the customer service team is exceptionally helpful, courteous, and responds promptly to any questions throughout the process.
However, some people mentioned that they experienced unexpected delays or had to make multiple follow-up calls and emails to get updates on their pending claims. A few reviewers were also deeply frustrated when their reimbursement claims were ultimately denied or when additional medical documentation was repeatedly requested by the representatives.
Auto-generated from all reviews of this business. For reference only.
Your company, and Cory in particular, were just incredible. My mother was severely injured the morning we were to leave for Florida, and was unable to travel. Fortunately, we've taken your insurance for every trip, and you did not disappoint. The claim instructions were easy to follow, and the uploads weren't overly burdensome. I followed up several days later, and there was a snafu with the JP Morgan email. I was coming close to the 10-day choice for electronic payment or paper check. As I don't trust the mail anymore, I got your representative, Cory, on the phone and between him and his manager, we managed to get my funds deposited the next day. I cannot tell you how incredible your reps were - I also had Helen who gave me the Chase information, and all concerned were just wonderful about asking how my mother was doing, and Cory stayed on the phone with me until the fund transfer went through. I would tell ANYONE who was traveling to use your insurance company. As an aside, my mother is recovering, got her 5 staples out, but the recovery is slower than I thought it would be, but she IS 90 so I guess I'm just impatient! Again, thank you and all your representatives for making it so easy to deal with the situation that could have been more tragic and more frustrating. If you want any further information, you can contact me via email or cell phone 630-253-6245.
Reply from Arch Red Sky Insurance2026-06-03
Sharlene,
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
Arch Red Sky was very responsive. I gathered all the required information and sent it in promptly. My claim was approved quickly. I didn’t receive the link to claim in the 3 days it said I would. A quick phone call and it was sent instantly. Very pleased with their service.
Reply from Arch Red Sky Insurance2026-06-03
Margaret,
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
Filing an insurance claim is a dreaded event BUT…..became a great experience with how respectful and helpful Cory was! Thank you!
Reply from Arch Red Sky Insurance2026-05-12
Debby,
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
Can I give no stars? I booked a spring break trip to ski at Keystone Mountain in Keystone Colorado. We rented a condo through Summit County Mountain Retreats in the River Run village, as we would not have a car and we could walk to the gondola and restaurants in the mountain village. We did also purchase the travel insurance because spring skiing can easily be cancelled due to weather warming. This year, of course Keystone Mountain and many others closed early 04/05/26. They would be closing two days before we arrived on 04/07/26. So, we weigh our options and call places in the village to see if anything would still be open, all told me they would be closed the day after the mountain closes. So we decide to cancel and file the insurance claim...fast forward they deny my claim stating the resort was accessible. (WHAT?)
Mind you, we would have no car, the mountain is closed, the mountain village is closed, but yet I should still be able to go and enjoy my trip?! What the actual F are they thinking???? DO NOT WASTE YOUR MONEY!!!! And when I called to speak to a rep, they blamed the resort and stated they were the ones who told Red Sky it was open and accessible even though I provided proof of the resort closure.
Reply from Arch Red Sky Insurance2026-04-30
Jamie,
Thank you for reaching out. Your appeal is currently under review. We appreciate your patience during this process and we look forward to providing further assistance with this matter.
Regards,
The Arch Red Sky Team
I purchased insurance for a trip 2 days after my 87 year old husband had a minor fall.
He went to see the doctor immediately and we asked the doctor if he thought my
husband would be able to do an in-state travel in 6 weeks from then.
The doctor said that would be fine.
We then purchased the trip as well as the trip insurance.
Two days before the trip my husband had some pain and we went back to the doctor.
At that time the doctor advised us that we cancel the trip.
I was denied reimbursement by Arch- filed an appeal and denied again.
We wouldn't have planned a trip if the doctor initially thought my husband couldn't travel!
The company has been terrible to deal with and I would never recommend Arch for travel insurance.
The insurance company's decision has created financial hardship for us.
Reply from Arch Red Sky Insurance2026-05-12
Jackie,
Thank you for reaching out to us.
Travel insurance is a named peril insurance, meaning only covered events outlined in your policy are insured. Unfortunately, your circumstance was not unforeseen and therefore not a covered event under the policy.
We understand you are disappointed with the outcome, however, we are required to adjudicate claims according to the terms of your policy. If you have any further questions you can contact us at 866-889-7409.
Regards,
The Arch Red Sky Team
Having dealt with insurance before we were surprised at the short time it took to settle compensation. In past claims (other companies) it took months and many hoops to jump through. Good job, thanks, jon
Reply from Arch Red Sky Insurance2026-05-12
Jon,
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
My claim was answered promptly, and as soon as I sent in the required paperwork, the claim was accepted. Our check arrived within the number of days we were told it would take. Thank you!
Reply from Arch Red Sky Insurance2026-04-20
Claudia,
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 ended up in the hospital and my family could not enjoy our trip to Maui. Red sky went above and beyond expediting our trip insurance and following through with a complete refund. I would recommend red sky insurance to absolutely everyone. Thank you for taking care of us.
Reply from Arch Red Sky Insurance2026-04-09
Shirley,
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
Courteous representatives, answered all my quesions.
Reply from Arch Red Sky Insurance2026-04-09
Ellen,
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
The company was very easy to work with. I was notified promptly after I filed my claim and was kept informed of the status of my claim.
Reply from Arch Red Sky Insurance2026-04-03
Linda,
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 was pleasantly surprised that I got my claim approved without having to jump though a bunch of hoops. My experience was positive!
Reply from Arch Red Sky Insurance2026-03-19
Mike,
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 filed my claim and a check very quickly. They were very easy to work with
Reply from Arch Red Sky Insurance2026-03-19
Gary,
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
We had insurance with them and our son died in a fire accident; they denied the claim because he had alcohol in his system. I think this is totally unacceptable as it should not matter what he had in his system. he died because of a faulty heater that shorted out but the fire was so bad they could not prove that.
Reply from Arch Red Sky Insurance2026-03-19
Mitch,
Thank you for reaching out to us and we are very sorry for your loss.
Travel insurance policies may provide coverage for certain unexpected events, including death; however, specific exclusions may apply depending on the cause. In this case, one of the causes of death listed on the death certificate falls under an exclusion outlined in your policy, which unfortunately prevents coverage.
We understand you are disappointed with the outcome, however, we are required to adjudicate claims according to the terms of your policy.
If you have any further questions you can contact us at 866-889-7409.
Regards,
The Arch Red Sky Team
Debra,
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
Michael,
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 a full refund on my rental. We were just 4 hours from our unit to start our week vacation, when we received a call that my dad pasted away unexpectedly. So glad I took the insurance!! After my claim was made, I received my refund in a timely manner. I would highly recommend taking the insurance.
Reply from Arch Red Sky Insurance2026-03-10
Debra,
Thank you for your review and we are very sorry for your loss. We're glad you were satisfied with our services. We look forward to protecting your next trip!
Regards,
The Arch Red Sky Team
Great response time. Friendly and courteous customer service people
Reply from Arch Red Sky Insurance2026-03-10
Ken,
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
Filing a claim was relatively easy and straightforward. Company review and responses to claim were timely. Subsequent questions asking for more detailed medical information made me feel distrusted and that the only way I could have made a decision about the state of my health was to have had a medical professional shadowing me at all times. Impossible!
Reply from Arch Red Sky Insurance2026-03-05
Ken,
Thank you for reaching out to us.
As with any insurance claim, in order to adjudicate a claim in accordance with the terms of the policy, whether to approve or deny, our examiners require complete documentation supporting such claim. In reviewing the communications on your claim, when we originally received your Attending Physician Statement from the medical provider, there were details missing that we needed to follow up on. Once we received the response from the physician, we were able to approve your claim.
We appreciated your patience as we evaluated your claim. At the time of posting, we understand that your issue has been resolved.
Regards,
The Arch Red Sky Team
Everyone was helpful and the issue was taken care of promptly
Reply from Arch Red Sky Insurance2026-03-04
Rose,
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
Easy to work with/ answered all our questions/ very professional
Reply from Arch Red Sky Insurance2026-02-02
Jeff,
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