Trip Insurance is for Everyone

While planning your annual vacation, you've decided that you want to make some changes. Only the best will do for your loved ones on your once-a-year family getaway, so there will be no cutting corners this year! You've saved your hard-earned money for this annual vacation, and you want to make the most of it. But what about trip insurance? Do you really need it? You think you don't because you don't want to spend more money, but what if...

Let’s take a trip through the mishaps of a family vacation, and then you can decide if trip insurance is truly worth the money for you. At Cabins for YOU, our motto is “Trip insurance is for everyone!” The worst-case scenario would be that something could come between you and your fun-filled vacation. Do you really want to chance a mishap, potentially losing your vacation funds? That’s why Cabins for YOU partners with Red Sky Travel Insurance to offer you Mountain Trip Preserver.

When you purchase trip insurance through Cabins for YOU and Red Sky, you will reap an abundance of rewards as Mountain Trip Preserver provides you with insurance protection for the duration of your cabin stay. Plus, trip insurance is only 7.2% of the total reservation cost — totally worth your peace of mind! Here’s what the Mountain Trip Preserver vacation rental travel insurance policy covers:

Trip Cancellation & Trip Interruption

You will be reimbursed for non-refundable payments (up to $100,000) if cancelling for a covered reason If your trip is cut short, you will be reimbursed for airfare costs to return home in addition to any unused non-refundable payments. Covered cancellations or interruptions include: sickness, injury or death (to you, a family member, or a traveling companion), uninhabitability of the destination vacation rental or your primary residence due to natural disaster, extension of school year, armed services leave revocation, involuntary termination of employment, or other specific reasons listed in the Policy/Certificate of Insurance.

Missed Connection
Should you encounter a missed connection due to any hinderance of a common carrier or documented weather conditions that results in a departure delay of 3+ hours, reimbursement for further transportation costs will be covered. 

Trip Delay
This portion of the insurance is worth up to $750 with a $200 daily limit. It provides provisions for items that are considered reasonable (including meals, hotel accommodations, and transportation) if you are delayed for 6 hours or more — due to a covered travel hazard — while en route to, during, or returning from your trip.

Baggage Delay
Coverage of up to $1,000 ($200 per day) applies to the emergency purchase of necessity-type items, including sports equipment. This portion of the coverage goes into effect if the delay is 12 hours or more. You may purchase clothing, toiletries, and other essentials with this portion of the insurance coverage.

Lost or Stolen Items
Permanently losing precious possessions isn’t very fun, especially when you can’t afford to replace them, which is why this policy includes reimbursement (up to $1,250) for lost, stolen, or damaged items (including sporting equipment).

Emergency Accident & Sickness Medical
You and your traveling companions are covered up to $25,000 each in the event any of you experience a medical emergency resulting from an accidental injury or sickness that occurs during the trip. You and your traveling companions are also covered up to $1,000 each during the trip for emergency dental treatment.

Accidental Death
If a loss occurs due to accidental injury or death during the trip, the policy will pay a percentage of the maximum benefit amount ($100,000).

Emergency Medical Evacuation
Expenses for emergency transportation to the nearest hospital by air or land are covered up to $525,000 per person. Additionally, if the insured is hospitalized for over 7 days, round trip economy airfare is provided for a companion to visit. And if the worst should happen, repatriation of remains is also covered.

Rental Car Damage
Renting a car this trip? Then you’ll certainly appreciate reimbursement for repair and rental charges (up to $25,000 per car) should the vehicle become damaged or get stolen.

24-Hour Travel Assistance Services
When you purchase the Mountain Trip Preserver policy by Red Sky Travel Insurance through Cabins for YOU, you are eligible for emergency medical assistance, roadside assistance, and global travel assistance services when you start your trip. Travel Assistance Services are available 24/7 and provide services such as towing, battery services, flat tire assistance, lockout assistance, emergency cash advance, and more. The Travel Assistance Service is a dispatch service and not a reimbursement service. Call 1.866.889.7409 toll free for assistance while traveling.

Trip Insurance Is for YOU

Vacations are meant to be fun and relaxing. Unexpected events can turn an exciting vacation into a negative experience, but if you're prepared with trip insurance, you'll likely face much less stress! While trip insurance is only a small additional fee to your vacation, it can help save you a lot of time, worry, and money in the case of any unforeseen issues! Protect your Smoky Mountain vacation by adding trip insurance to your vacation rental reservation today.

Trip Insurance is non-refundable after 14 days from the policy purchase date or after the trip begins within the 14-day period. For a list of covered reasons and exclusions, please view the policy details online.