While traveling, a mother and her four -year-old had arrived at their destination airport only to realize that the U.S. passport the child was carrying was invalid.

Redpoint was contacted to arrange for a new passport to be delivered in person to Bora Bora, a service that Ripcord clients are provided for an additional fee.

Redpoint collected the passport in the United States, and hand-delivered it to the clients in time for their return flight.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Lost Passport and VISA Assistance. At the request of the Traveler, Redpoint will use reasonable efforts to assist the Traveler arrange for replacement of passport and VISA documents. The final selection and payment for services shall be the sole responsibility of the Traveler.

What do you do when you’re hurt on a trip, with no or limited access to medical facilities? Redpoint’s Evacuation and Rescue services can arrange to get you, and get you help.

A Redpoint client fractured her femur aboard a boat off the shore of East Africa. Redpoint was contacted and arranged for her transport via inflatable raft to Assumption Island, near the Tanzanian coast, and a flight from there via fixed-wing aircraft to a world-class hospital in Nairobi, Kenya.

Throughout her transport, she was accompanied by Redpoint paramedics who followed her treatment, and escorted her on every flight, providing medical and travel assistance until she was ultimately home.

NOTE:

Redpoint’s programs have varying levels of evacuation and rescue services. Harbor will transport you to a medical facility when an attending physician deems it a medical necessity. Cavalry provides evacuation services home when you’re hospitalized. Ripcord, our most comprehensive program, includes rescue services and will transport you home from your location of injury, not only from a medical facility.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Medical Transportation Services. Subject to the conditions, exclusions, and limitations of this Agreement, Redpoint will provide, arrange and pay all ordinary and necessary expenses for air and/ or surface transportation to a Traveler’s Home Country Hospital of Choice for a Traveler who is Hospitalized.

Redpoint was contacted from a remote ranch in Namibia after a client fell from a horse and immediately launched a medically staffed helicopter to location of the accident. After a preliminary exam by the flying doctor upon arrival, she was airlifted to a state-of-the-art hospital in Windhoek.

There, she was met by Redpoint operations staff dispatched from its Johannesburg office to assist with her care and coordinate communication between Namibian doctors and Stanford-affiliated Redpoint physicians in the U.S.

The X-rays, CT scans and other tests reviewed by physicians revealed no fractures or neurological injury. She was administered pain medication and ultimately cleared for air travel back home.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Rescue Services. Should the Traveler have a medical condition which in Redpoint’s sole discretion (i) requires emergency medical care to avoid death or serious and permanent impairment to the Traveler’s health, and/or (ii) requires Hospitalization, AND (iii) is unable to obtain transportation to a medical facility; Redpoint will provide, arrange and pay for Rescue Services to a hospital, clinic or other medical facility, using air, ground or marine transport. In determining whether the Traveler’s condition warrants Rescue Services, Redpoint may take into consideration the Traveler’s location, the medical condition and the availability of local medical care. The Traveler must be at a known location. Rescue Services may include Search Services subject to the conditions, exclusions, and limitations of this Agreement.

A scenario that no one likes to consider while making travel arrangements, death while traveling can and does happen. Aside from the trauma surrounding such a loss, the financial costs or preparing and transporting a body regularly amounts to over $10,000.

A 60-year-old woman from Texas died suddenly while visiting New Zealand. Redpoint made arrangements with a local funeral home in New Zealand, the air provider, and her receiving funeral home, all while keeping her family aware of all necessary details.

While a loss like this can be unimaginable, having someone handle these costly and time consuming aspects can be a small source of comfort.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Mortal Remains Transportation Services. To the extent permitted by law and subject to the terms, limitations and exclusions of this Agreement, Redpoint will arrange and pay for all reasonable and necessary expenses to transport the Traveler’s mortal remains to a morgue, funeral home, or mortuary designated by the Traveler’s estate within the Traveler’s Home Country.

We’ve all been there. You book your trip and worry that something might arise to keep you from making it to the departure gate. What do you do to protect your investment?

A man had a long-planned African safari with his family bought and paid for, when two days before he was set to depart, his physician advised against the trip due to an unforeseen medical emergency. Although his airline tickets were refundable, he still had $12,900 he would have been forced to forfeit. Redpoint reimbursed him for the full amount.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): For Trip Cancellation or Trip Interruption, Unforeseen Events include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

Trip Cancellation CLAIM DENIAL:

A Redpoint client filed a claim for a cancelled trip due to the death of his parent. Unfortunately, the claim was denied as the family member entered end-of-life care before the policy was purchased. This claim did not fall within our list of Trip Cancellation Unforeseen Events as the policy was not effective at the time the parent’s health took an irreversible turn.

Relevant Policy Language (For illustration purposes only.  Please read your specific policy and any additional limitations or exclusions): For Trip Cancellation or Trip Interruption, Unforeseen Events include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

Trip Cancellation CLAIM DENIAL:

A Redpoint client cancelled his trip after developing flu-like symptoms before the start of his trip. He decided to stay home and rest but did not see a doctor. This claim was denied as our policy dictates that a physician must advise cancellation due to health reasons on or before trip departure date.

Relevant Policy Language: (For illustration purposes only.  Please read your specific policy and any additional limitations or exclusions):

For Trip Cancellation or Trip Interruption, Unforeseen Events include:

 (a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

Trip Cancellation CLAIM DENIAL:

A Redpoint client injured his hand in a skiing accident, and filed an accidental injury claim, but was denied as he purchased the policy only after the injury took place. All policies need to be purchased and therefore in effect at the time of any incidents.

Relevant Policy Language: (For illustration purposes only.  Please read your specific policy and any additional limitations or exclusions):

For Trip Cancellation or Trip Interruption, Unforeseen Events include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; at the time of loss preventing Your participation or continued participation in the Covered Trip.

What happens when you are on your trip and something makes you need to return home? A woman mountain climbing with her husband discovered she was experiencing symptoms of an inflamed gall bladder and needed to go home.

As a result, they had to forfeit the lost climbing days paid to their outfitter and incurred additional airline fees and medical expenses: $51,200 in total. They filed their claim with Redpoint and were reimbursed the full amount of their loss.

Relevant Travel Insurance Policy Language (For illustration purposes only.  Please your specific policy and any additional limitations or exclusions): For Trip Cancellation or Trip Interruption, Unforeseen Events include:

 (a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

Trip Interruption CLAIM DENIAL:

While traveling, a Redpoint client became ill and flew home. He did not see a doctor while he was traveling but saw his primary care doctor after arriving home. This claim was denied because he did not see a doctor while on his trip, and when the illness occurred. A medical condition or illness needs to be certified by a physician at the time it occurs, and a physician needs to restrict travel or participation on a trip in order for the claim to be valid.

Relevant Policy Language: (For illustration purposes only.  Please read your specific policy and any additional limitations or exclusions): For Trip Cancellation or Trip Interruption, Unforeseen Events include:

 (a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

Trip Interruption CLAIM DENIAL:

A Redpoint client filed a trip interruption claim when his airline cancelled his flight. However, he did not include his travel dates on his policy when he purchased, so his claim was denied as the loss did not occur during policy coverage dates.

Relevant Policy Language: (For illustration purposes only.  Please read your specific policy and any additional limitations or exclusions): Coverage is effective for the stated term shown in Your Confirmation of Benefits. In addition, Your coverage will end at 11:59 P.M. local time on the date which is the earliest of the following:

(a) the Scheduled Return Date as stated on the travel tickets;
(b) the date You return to Your origination point if prior to the Scheduled Return Date;
(c) the date You leave or change Your Covered Trip (unless due to Unforeseen and unavoidable circumstances covered by the Policy);
(d) if You extend the return date, coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled Return Date; or
(e) the date You cancel Your Covered Trip.

You’ve arrived at your destination and are waiting for your luggage to slide onto the carousel. What happens when it doesn’t show up?

This was the case with a young climber traveling to the Himalayas. She risked missing her Everest trip if she were to wait another day for her belongings to arrive. She had to shop for replacement gear in Kathmandu: climbing/camping equipment, as well as warm clothing and other essentials, in all, she incurred losses of about $2,800. She filed a baggage and personal effects claim and Redpoint reimbursed her for her purchases.

Relevant Travel Insurance Policy Language (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit of $300. There is a combined maximum limit of $1,000 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

BAGGAGE/PERSONAL EFFECTS – SPORTS EQUIPMENT: Loss of Sports Equipment Coverage: If Your sports equipment is lost by the Common Carrier, or damaged, or stolen, We will pay up to the amount in the Schedule of Benefits provided You have taken all reasonable measures to protect, save and recover Your property at all times. The sports equipment must be owned by and accompany You during the Covered Trip. If You have checked Your sports equipment with a Common Carrier and delivery is delayed, coverage for sports equipment will be extended until the Common Carrier delivers the property.

Baggage Delay CLAIM DENIAL:

While returning from their trip, Redpoint clients discovered their luggage was delayed. His luggage was returned to him 1 day after returning home. Their baggage delay claim was denied, as they did not experience any financial loss due to the delayed baggage, and their coverage ended when the clients returned home. Claims due to inconvenience are not payable under our policy.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Coverage is effective for the stated term shown in Your Confirmation of Benefits. In addition, Your coverage will end at 11:59 P.M. local time on the date which is the earliest of the following:

(a) the Scheduled Return Date as stated on the travel tickets;
(b) the date You return to Your origination point if prior to the Scheduled Return Date;
(c) the date You leave or change Your Covered Trip (unless due to Unforeseen and unavoidable circumstances covered by the Policy);
(d) if You extend the return date, coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled Return Date; or
(e) the date You cancel Your Covered Trip.

One Texas couple en route to Tanzania had to make an unplanned landing in Halifax, Nova Scotia, after one of the passengers experienced a medical emergency.

The plane spent more than an hour on the Canadian tarmac, but what began as a minor delay turned into a major headache when the plane then experienced a mechanical problem before takeoff. The result: the Texas couple missed their connection to Dar-es-Salaam and a full day of their safari.

The couple filed a claim with Redpoint and received reimbursements for lost travel days and the cost of their airline ticket changes and upgrades.

Relevant Travel Insurance Policy Language (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 3 or more hours due a defined Hazard.

Additional expenses include:

(a) any prepaid, unused, non-refundable land, air, or water accommodations;
(b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);
(c) an economy fare from the point where You ended Your Covered Trip to a destination where You can resume Your Covered Trip;
(d) a one-way economy fare to return You to Your originally scheduled return destination.
We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

Trip Delay CLAIM DENIAL:

A Redpoint client filed a claim for trip delay after air traffic congestion caused him to arrive at his final destination 2 hours late. Unfortunately this claim was denied as the trip delay benefit requires a delay of at least 3 hours.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 3 or more hours due a defined Hazard.

Additional expenses include:

(a) any prepaid, unused, non-refundable land, air, or water accommodations;
(b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);
(c) an economy fare from the point where You ended Your Covered Trip to a destination where You can resume Your Covered Trip;
(d) a one-way economy fare to return You to Your originally scheduled return destination.
We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

How does the Cancel For Any Reason (CFAR) coverage work? Is it really for ANY reason? CFAR is an optional upgrade you can add to your policy to receive partial reimbursement for your trip cost when you cancel for any reason not covered by your travel insurance policy.

One Redpoint client cancelled his $25k trip due to personal reasons, he was reimbursed 75% of his total trip cost, just over $17,000.

Relevant Travel Insurance Policy Language (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not listed as an Unforeseen reason or otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

(a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and
(b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and
(c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

When you are injured while traveling, are you outside of your health insurance network? Who pays if you get medical treatment and your health coverage hasn’t travelled with you?

A Redpoint client was recently injured in a skiing accident in Austria and was taken by ambulance to a local hospital. The Emergency Accident and Emergency Sickness Medical Expense coverage in his Redpoint Travel Insurance policy reimbursed him $975, the full cost of his treatment and ambulance ride.

Relevant Travel Insurance Policy Language (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

Emergency Medical Expense CLAIM DENIAL:

A Redpoint client broke his arm on his trip. After returning home and seeing his primary care physician, he filed a medical expense claim for the additional care he received at home. This claim was denied as the care was received after his covered trip dated.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip. Coverage is effective for the stated term shown in Your Confirmation of Benefits.

Emergency Medical Expense CLAIM DENIAL:

A Redpoint client was injured while skiing, and arranged for his own helicopter rescue to a nearby hospital for treatment. He filed a claim for his medical expenses as well as the cost of the helicopter. While his medical expense payments were covered and therefore reimbursed, the helicopter claim was denied as Redpoint did not provide and arrange for the service.

Relevant Policy Language: (For illustration purposes only. Please read your specific policy and any additional limitations or exclusions): Redpoint Obligation. Redpoint shall only be obligated to pay for services which are provided and arranged for by Redpoint and Redpoint contractors. The final selection and payment for any such services not arranged for or provided by Redpoint shall be the sole responsibility of the Traveler. Redpoint shall not provide reimbursement for transportation services arranged by any third party.