Poor service--pick a different insurer
We purchased a travel insurance policy from Red Sky for a condo rental in the Outer Banks. Unfortunately my husband was deemed medically unable to travel, and we notified the condo rental of our need to cancel on April 16th and filed the necessary paperwork (including Physician Statement) with Red Sky promptly (April 20th). Instead of simply paying this very straightforward claim immediately in good faith, they instead sent repeated faxes to the doctor to re-ask the same questions that were answered on the Physician Statement. If you look at BBB or Yelp, you will note this is not an uncommon tactic for them to delay or avoid claim payment. Doctors don't have time to re-answer the same questions. I had to get their corporate counsel involved to then have them miraculously find some coverage. Even then, they did not pay the entire rental cost, even after several emails pointing out this fact. Instead of double checking with the condo rental company to verify the full cost, they just ignored me. The vacation rental company did reimburse this final cost which should have been paid by Red Sky. Take a tip. Call Tin Leg or some other insurer, but avoid this one.