ARCH INSURANCE COMPANY
Travel Insurance Review
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Arch Roam Right provides a variety of plans catering to different needs, ranging from comprehensive coverage to last-minute trip protection and medical-specific plans. Additionally, they offer annual plans for those seeking multi-trip coverage. Coverage customization is available through a selection of policy upgrades.
Every policy comes with a 14-day evaluation period, offering the option to reconsider and potentially receive a refund if your requirements change. Furthermore, all policies include 24/7 assistance, and some even come with the added benefit of free child coverage for every adult insured.
Explore the array of upgrades offered, including options for accident and sickness, evacuation and repatriation, hazardous sports, and more. Arch is a reputable insurance company with an excellent credit rating.
POLICY OPTIONS
Tiered plans
Last minute coverage
Emergency Medical
Annual Packages
PRE-EXISTING CONDITIONS
Coverage is offered with varied limitations
FREE CHILD COVERAGE
Some policies offer complimentary coverage of one child for each adult covered
CUSTOMIZATION
Your ability to tailor coverage is restricted by the range of policies and the limited number of available upgrades
CANCEL FOR ANY REASON
Not offered
CANCEL FOR WORK
Only offered on one plan
EMERGENCY MEDICAL
Competitors offer higher coverage limits
FREE CHILD COVERAGE
Some policies offer complimentary coverage of one child for each adult covered
POLICY COMPARISONS
SINGLE TRIP PLANS
|
Highlights |
Roam Right Single Trip Plans |
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|
Pro Plus |
Pro |
On Trip Plus |
|
|
General |
|||
|
Availability |
U.S. Citizens / Residents |
||
|
Free child coverage |
Yes |
Yes |
- |
|
Free look period |
14 days |
14 days |
14 days |
|
Pre-existing conditions |
Waiver |
Waiver |
- |
|
Trip Protection |
|||
|
Cancellation |
|||
|
Trip cost |
100%, $25,000 |
100%, $15,000 |
- |
|
Cancel for work |
100% |
- |
- |
|
Interruption |
|||
|
Trip cost |
150% |
100% |
- |
|
Return flight |
$750 |
$500 |
$750 |
|
Itinerary change |
$500 |
$500 |
$500 |
|
Delay |
|||
|
Delay - 6 hrs |
$1,000 |
$600 |
$2,000 |
|
Optional upgrade |
$1,000 |
- |
- |
|
Missed connection – 3 hrs |
$750 |
$250 |
$750 |
|
Medical Protection |
|||
|
Emergency Medical |
|||
|
Accident and sickness |
$50,000 |
$25,000 |
$75,000 |
|
Optional upgrade |
$25,000 |
- |
- |
|
Evacuation / repatriation |
$500,000 |
$250,000 |
$600,000 |
|
Optional upgrade |
$100,000 |
- |
- |
|
Political/security evacuation |
$100,000 |
$50,000 |
$100,000 |
|
Dental |
$750 |
$750 |
$750 |
|
Baggage / Belongings |
|||
|
Baggage/personal items |
$1,500 |
$750 |
$1,500 |
|
Delay – 12 hrs |
$400 |
$300 |
$400 |
|
Additional Benefits |
|||
|
Worldwide Assistance |
Yes |
Yes |
Yes |
|
Other Optional Upgrades |
|||
|
Sports |
$1,000 |
$1,000 |
$1,000 |
|
Sports/business equip rental |
$1,000 |
$1,000 |
$1,000 |
|
Car rental damage |
$50,000 |
$50,000 |
$50,000 |
|
Hazardous sports |
Included |
Included |
Included |
|
Baggage upgrade |
Included |
Included |
Included |
|
Accidents |
|||
|
Death and Dismemberment |
$10,000 |
- |
$10,000 |
|
D&D Air flight only |
$25,000 |
- |
$25,000 |
|
Underwriter |
Arch Insurance Company |
||
ANNUAL PLANS
|
Highlights |
Roam Right Annual Plans |
|||
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|
|
General |
||||
|
Availability |
U.S. Citizens / Residents |
|||
|
Free look period |
14 days |
14 days |
14 days |
14 days |
|
Trip Protection |
||||
|
Cancellation |
||||
|
Trip cost to a maximum of |
$2,500 |
$5,000 |
$7,500 |
$10,000 |
|
Interruption |
||||
|
Trip cost to a maximum of |
$2,500 |
$5,000 |
$7,500 |
$10,000 |
|
Delay |
||||
|
Delay - 12 hrs |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
|
Missed connection – 3 hrs |
$500 |
$500 |
$500 |
$500 |
|
Medical Protection |
||||
|
Emergency Medical |
||||
|
Accident and sickness |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
|
Evacuation / repatriation |
$250,000 |
$250,000 |
$250,000 |
$250,000 |
|
Political/security evacuation |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
|
Dental |
$750 |
$750 |
$750 |
$750 |
|
Baggage / Belongings |
||||
|
Baggage/personal items |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
|
Delay – 24 hrs |
$300 |
$300 |
$300 |
$300 |
|
Additional Benefits |
||||
|
Worldwide Assistance |
Yes |
Yes |
Yes |
Yes |
|
Accidents |
||||
|
Death and Dismemberment |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
|
Underwriter |
Arch Insurance Company |
|||
MEDICAL PLANS
|
Highlights |
Roam Right Medical |
|
|
|
|
General |
|
|
Availability |
U.S. |
|
Travel |
Outside U.S. |
|
Trip length maximum |
6 months |
|
Free look period |
14 days |
|
Trip Protection |
|
|
Interruption |
|
|
Trip cost |
$5,000 |
|
Medical Protection |
|
|
Emergency Medical |
|
|
Accident and sickness |
|
|
< Age 70, you choose |
$50k, $100k, $250k, $500,000 |
|
Age 70-79 |
$50,000 |
|
Age 80+ |
$10,000 |
|
Deductible, all ages |
$250 |
|
Evacuation / repatriation |
$100,000 |
|
Dental |
$1,000 |
|
Baggage / Belongings |
|
|
Baggage / personal items |
$250 |
|
Additional Benefits |
|
|
Worldwide Assistance |
Yes |
|
Other Optional Upgrades |
|
|
Hazardous sports |
Accident and sickness amount |
|
Accidents |
|
|
Death and Dismemberment |
$25,000 ($5,000 dep. child) |
|
Underwriter |
Arch Insurance Company |
-
This following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
Acts of war
Participation in armed forces or police force of any country
Mountaineering , rock climbing, cliff diving, or similar acts
Participating as a professional in a stunt, athletic or sporting event or competition
Skydiving, parachuting, hang gliding, bungee jumping, multi-sport endurance competitions, BASE jumping, and more
Acting as pilot or crew of an aircraft
Under the influence of drugs or alcohol
Criminal activity
Trip purpose is medical related
Normal pregnancy
Mental, nervous, or psychological disorder
and more
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
