Red Sky Travel Insurance who's underwritten by Arch Insurance Company is a scam (in my opinion). I am in South Carolina and have filed a complaint with the South Carolina Division of Insurance and I recommend you do the same in your state as well as contact your state representative. We purchased travel insurance for a family reunion planned at Litchfield By the Sea in Pawleys Island, SC in Sept. We purchased the insurance because we were unsure what 1.) hurricane season and 2.) COVID. The majority of the people in our family who'd be traveling to SC were elderly and as you can imagine, they decided to cancel travel due to the resurgence of COVID (delta). I reached out to Red Sky Travel Insurance / Arch Insurance Company to file a claim that was quickly denied. Reading through the rest of the reviews confirm that Red Sky Travel Insurance is likely scamming (in my opinion) consumers and in order for us consumers to stop being taken advantage of you need to #1 stop buying insurance from them, #2 contact the companies who recommend them and urge them to stop selling their product, #3 file complaints with your local state insurance boards and #4 contact your local congressmen to take action against scammy insurance offerings such as the travel insurance offered by Red Sky. After reviewing others comments, it's now not about the money, but about the cause. We as consumers need to stick together and hold insurance companies like this accountable. Regardless of your rebuttal, your service is misleading and consumers have the right to know about your practices.