Redpoint considers COVID-19 the same as any illness for travel insurance benefits.

Frequently Asked Questions (FAQs)

General FAQs

Why should I purchase Travel Insurance sooner rather than later?

Once you pay your non-refundable trip costs, you should purchase a Redpoint Travel Protection program. If you are within 14 days of your initial trip deposit date, you will make yourself eligible for the highest level of coverage, including maintaining eligibility for the pre-existing condition waiver and access to all 21 unforeseen events for trip cancellation and interruption.

Even if you past the 14 days from your initial deposit, the Redpoint Travel Protection programs are designed to protect against unforeseen events. Any event that occurs before your program purchase would not be covered by your policy. Travel insurance cost is also based on the traveler’s age at time of purchase. By purchasing now, you will secure the most extensive level of trip cost protection for you and your family at the lowest price.

Is travel insurance* a waste of money?

Not at all. A Redpoint travel protection program can cover you for unexpected costs incurred before or during your trip so you’re not stuck with those expenses. A travel protection program from Redpoint  helps to protect your trip investment with coverages like trip cancellation and interruption, medical expense, lost or delayed baggage and more*.

Redpoint’s Ripcord and Cavalry programs also include industry leading medical evacuation programs which can bring you home to the hospital of your choice.

What do I need to know about pre-existing medical conditions and the coverage through Redpoint Travel Protection*?

Pre-existing Medical Condition Exclusions would likely be applicable to a condition of a traveler, traveling companion or family member who was first diagnosed, had a change in diagnosis or required a change in medication during the 90 day look back period immediately preceding and including the effective date of coverage. Some plans include a Pre-existing Medical Condition Exclusion Waiver when purchasing the plan within a specified time frame immediately following initial trip payment.*

If I use frequent flyer miles to purchase a ticket, do I include the regular cost of the ticket as part of my trip cost?

Please be careful when using frequent flyer miles to calculate your trip cost. Travel insurance* typically covers the cash value of non-refundable travel expenses. In other words, money you can’t get back from your airline or other travel provider. Frequent flyer miles are not covered as it’s difficult to determine their cash value.

What else is offered with the purchase of a Redpoint Travel Protection plan?

Redpoint programs include access to our Travel Services team.  This team includes medical and security experts to assist with medical consultations and referrals, medical evacuation, emergency cash transfers, pre-trip consultation services, and emergency messaging.

What product should I choose if I only want medical expense coverage*?

Redpoint does not provide a program limiting coverage to medical expense only.

Can I purchase travel insurance* coverage on an annual basis?

No, we do not offer travel insurance* policies on an annual basis. We do provide annual evacuation services under our Ripcord and Cavalry membership programs.

What program should I choose if I only want trip cancellation coverage*?

We do not offer a product that provides only trip cancellation coverage. For budget conscious travelers, we suggest reviewing our Harbor travel protection program.

Where can I find a copy of the travel insurance policy*?

A copy of the travel insurance* policy document can be found on the purchase page of each Redpoint program before you purchase. Policy documents are state specific.

What is covered in terms of trip cancellation or interruption*?

The list of unforeseen events for trip cancellation and interruption coverages can be found in Section IV Coverages of the travel insurance policy. Details regarding the optional “Cancel For Any Reason” upgrade can be found at the end of this section. General limitations and exclusions can be found at the end of the policy document.*

What is “Cancel For Any Reason*”?

Cancel For Any Reason, or “CFAR”, coverage allows travelers to cancel for reasons not listed as an Unforeseen reason or otherwise excluded. General limitations and exclusions found at the back of the policy are still applicable. Details regarding CFAR coverage can be found at the end of Section IV Coverages of the travel insurance policy document. Please note that “CFAR” is an early purchase benefit and must be purchased within a specified time frame immediately following initial trip payment.*

Will Redpoint provide evacuation services if I contract COVID-19 while travelling?

Although limitation 1.4.4 within the Ripcord and Cavalry Member Services Agreement may apply, we encourage travelers to contact our Travel Services team at the first sign they are experiencing any symptoms of COVID-19. Our team will coordinate with you to provide all services described by the Member Services Agreement, however, any assistance we provide will be subject to government regulations, quarantine mandates, or other restrictions specific to COVID-19. A medical transportation could only be performed once all applicable quarantine mandates are met.

Will the cost to purchase travel insurance* get cheaper as I get closer to my trip?

No, the length between the purchase date of your policy and the start date of your trip does not affect the cost to purchase coverage.

Purchasing FAQs

What do I need to have to purchase a plan online?

Before purchasing, please have the following information handy:

  • Personal information for all travelers who will be on the policy
  • Trip details: dates of travel, destination, initial deposit date, and any travel companies you will be using
  • Total trip cost and how that cost is broken down per person in your itinerary.

What is initial deposit date?

Initial deposit date is the day on which you made your first payment toward the trip.

Redpoint programs have time sensitive benefits such as pre-existing medical condition waiver and Cancel for Any Reason eligibility if you purchase within the window following your initial deposit date.*

When is it too late to buy travel insurance*?

Insurance can be purchased up to 24 hours prior to your trip departure date.

How do I break down trip costs per person in my itinerary?

Claim payments under the Trip Cancellation & Trip Interruption benefits are based on the amount of Trip Cost insured per person.  For multiple travelers, you should enter the Trip Cost associated with each individual as it appears on the itinerary or trip invoice.*

I think I am ready to buy. What is the best way to purchase?

You can purchase a policy either online, or through one or our Travel Services representatives. To purchase online, click here and you will be guided through our product comparison tool. To purchase over the phone, call our representatives at +1 415 481 0610.

How much does travel protection cost?

The cost of travel protection is based on the value of the trip and the age of the traveler. You can get a free quote for your personalized travel protection plan or call our representatives at +1 415 481 0610.

Claims FAQs

How do I submit Claims documentation to Redpoint Travel Protection*?

Please submit claims documentation via the following methods:

email to, or

via mail at:
Attn: Redpoint Travel Protection
PO Box 92468
Austin, TX 78709-2468

What documentation is required for my claim*?

We will need certain documentation to process your claim. Please review your claims forms for more information.

Did you receive my fax or email?

Please allow 1-2 business days for processing. If you have questions after that time please contact us at +1 415-481-0610

Why do you need medical records?

Medical records may be requested when the information we received from the doctor is incomplete. The records are reviewed by Claims for making coverage determination under the terms and conditions of the policy purchased*.

What should I send in if all I received is an e-ticket for air travel?

Please submit the e-ticket confirmation which provides the details of the booked airline travel arrangements, such as ticket numbers, record locator, travel itinerary, charges imposed, etc.

How do I request a refund of my unused insurance premium*?

You must submit an unused insurance* premium request either via email to or call us at  +1 415-481-0610.

* Benefits described are related to travel insurance underwritten by State National Insurance Company Inc.


Optional Travel Insurance Coverage:
This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH (01/2021). 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 evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. 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.