Outside Life Insurance FAQ

Outside Life Trip Protection FAQs

Planning a trip? A lot can happen between booking and departure. That's why Outside Life offers Trip Protection in partnership with ViCoverage, powered by Vertical Insure.

Whether something unexpected happens or your plans simply change, coverage can help protect your trip investment.

Find answers to common questions below.

Is Trip Protection required?

No. Trip Protection is always optional, but Outside Life highly recommends all trip participants have travel coverage. This coverage is offered through the Outside Life portal with Vertical Insurance during registration, If you did not purchase Vertical Insurance coverage at the time of registration, contact support@vicoverage.com and they can add coverage for you.

What's included in Trip Protection?

Outside Life offers Trip Protection Plus + Cancel For Any Reason (CFAR), which includes:

• Trip Cancellation: Get up to 100% of covered trip costs back if you need to cancel for a covered reason. Common reasons include illness, injury, death, or involuntary job loss.
• Cancel For Any Reason: Get up to 75% of your non-refundable trip costs back if you cancel for another reason, even if you simply change your mind.
• Additional Benefits: Coverage for certain travel delays, trip interruptions, medical emergencies, lost or delayed baggage, and more.

Want to explore everything that's included? View the full coverage details and sample policy.

What is Cancel For Any Reason (CFAR)?

CFAR gives you the flexibility to cancel your trip for any reason, including schedule conflicts, work commitments, or simply changing your mind.

You can get up to 75% of your non-refundable trip costs back when you cancel at least 48 hours before departure.

To have this flexibility, you’ll need to purchase coverage prior to completing payment for your trip and within 10 days of your initial trip deposit.

How do I purchase Trip Protection?

Trip Protection is available when registering for your Outside Life trip.

If you are registered and not yet paid in full for your trip, you can still purchase coverage within 10 days of your initial trip deposit, as long as your trip hasn't started. Visit the Outside Life Trip Protection Landing Page, complete a short form, and receive a personalized quote.

What happens after I purchase Trip Protection?

You'll receive a confirmation email from ViCoverage with your policy documents, coverage details, and instructions for filing a claim.

Keep this email handy in case you need it before or during your trip.

Where can I find my policy details?

Your policy documents are included in your ViCoverage confirmation email. You can also access them by logging in or creating an account at customers.vicoverage.com.

Want to review coverage before purchasing? View the Trip Protection details and sample policies here. Select Trip Protection Plus with Cancel For Any Reason to see the plan Outside Life offers.

What do I need to know about CFAR coverage?

To receive reimbursement through CFAR, you'll need to:

• Purchase coverage prior to completing full payment for your trip, and before your trip begins.
• Insure all prepaid, non-refundable trip costs.
• Add any new trip costs to your coverage within 24 hours of adding them.
• Cancel at least 48 hours before departure.

Q: What is the deadline to obtain insurance?

• If you have not paid in full for your trip, you may contact insurance@Outside Life.com to add it as a trip option.

What if I need to cancel my trip?

If you can no longer attend, please begin by reviewing your trip's specific terms of Cancellation and Transfer; these are listed on your invoice and will itemize the options, deadlines, and cancellation terms for your trip.

To view these, log in to your account, select "View Invoice" and "Cancellation & Transfer Terms" at the bottom of the page.

After reviewing your trip’s terms, if you would like to cancel for a partial refund, please follow these steps:

1. Log in at https://outsidelifegw.com and enter the Username and Password created during registration.
2. Navigate to the Invoice page and scroll to the bottom.
3. Click on the link “Request to Cancel” and follow the onscreen prompts.
4. Once Outside Life receives the inquiry, we will process any refunds (if due, based on the terms of cancellation and transfer) and provide you with further instructions.
5. Once your cancellation is complete, please contact insurance@outsidelife.com for any documentation you may need to present to vertical insurance for your policy.

If you purchased Trip Protection, you can file a claim with ViCoverage at customers.vicoverage.com to request reimbursement.

If you didn't purchase Trip Protection, Outside Life's standard refund policy applies. Contact Outside Life Support with any questions about cancellations or refunds.

How do I file a claim?

(1) Following cancellation of your trip, please contact insurance@Outside Life.com for any documentation you may need to present to vertical insurance for your policy.

(2) Visit customers.vicoverage.com and log in or create an account using the same email address you used when booking your trip.

Select File a Claim and complete a short form. You'll be asked to provide:

• Proof of booking: A receipt or invoice showing your trip cost and dates.
• Confirmation of cancellation: Documentation showing your trip was canceled and when, such as a cancellation confirmation or invoice.
• Proof of the reason for cancellation: Supporting documentation, such as a doctor's note, if you're filing for a covered reason.

Once submitted, the claims team will review your information and reach out if anything else is needed.

You can also find claims instructions in your ViCoverage confirmation email.

Is Trip Protection refundable?

Trip Protection is generally non-refundable once the policy's review period has ended. Your confirmation email includes the policy documents with the exact refund deadline.

Who do I contact with questions?

For questions about your coverage, policy, or claims, contact ViCoverage:

Email:

• Outside Life: Insurance@Outside Life.com

• ViCoverage: support@vicoverage.com

Customer Portal: customers.vicoverage.com

For questions about your insurance relating to your Outside Life trip or registration, contact Outside Life directly at insurance@outsidelife.com.required

Coverage includes specific benefits, limits, and exclusions. For complete details, review your policy documents or view the sample policy.