Arch RoamRight
Is This Your Business?Author: Kaitlyn Short
Arch Insurance Company started offering RoamRight travel insurance in 2012. All plans are underwritten by Arch Insurance Company itself, which has an AM Best Financial Strength Rating of A+ (Superior).
RoamRight offers different categories of travel insurance:
- Single trip plans
- Single trip plans through travel providers
- Annual/Multi-trip plans for cancellation and medical
- Travel medical
- Rental car insurance
The company’s three single-trip policies, Essential, Preferred, and Elite offer a variety of benefits, but many of them are customizable with optional upgrades.
The company also offers Pro and Pro Plus plans, but they are only available through third-party travel companies like cruise providers and travel agents.
Keep reading our RoamRight review for pros and cons of purchasing trip insurance with this provider.
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The Good
- Customizable Plans
- Cancelation Coverage
- Mobile App
- Refund Policy
- Children Covered
- Non-Medical Evacuation
Customizable Plans
RoamRight’s standard plans offer lots of coverage upgrade options, which aren’t available with most competing insurance companies. This makes their coverage limits and add-ons more flexible than most competing providers. Additional upgrades are available to offer coverage for renting a car, sports and business rental equipment, and participating in hazardous or extreme sports like scuba diving.
Cancelation Coverage
Your trips are covered by standard trip interruption insurance and trip cancelation insurance with each travel insurance package. Additionally, this provider offers provisions for Cancel for Work Reasons, as well as an upgrade that lets you Cancel for Any Reason (CFAR), as long as the plan is purchased within 21 days of your first payment for the upcoming trip.
Mobile App
This company offers a mobile app with several benefits, in addition to quick access to their travel insurance policy. App features include the following:
- Real-time global travel alerts
- Travel alerts for a 100-mile radius of your current location
- Destination travel alerts for local festivals, national disasters, terrorism, or transportation strikes
- Medical phrase translations in seven languages
- Plan points of interest for your trips
- Details on entry requirements like immunization
- Quick embassy contact info
- Local pharmacy or prescription equivalents for over 3,000 medications
- Destination information about crime, security, civil unrest, etc.
- Securely save photos of your travel documents, visas, passports, tickets, etc. for quick access for yourself or RoamRight if assistance is needed
Refund Policy
Residents of most states have a 14-day money back guarantee with RoamRight. If they aren’t satisfied, customers can cancel their policy for a refund.
Children Covered
RoamRight Preferred and Elite plans offer to cover one child under 18 per each covered adult. This is a definite plus for parents when shopping for a travel insurance policy; however, it is not an option on the basic plan with this insurance provider.
Non-Medical Evacuation Covered
Several plans include evacuation coverage not just for a medical emergency, but for additional non-emergency reasons like political unrest or security evacuations.
The Bad
- Medical Deductibles
- Hazardous Sports Coverage
- Lookback Period for Medical Conditions
Medical Deductibles
The Essential, Preferred, and Elite travel plans have a $50 deductible for medical coverage, though there are optional upgrades to eliminate the deductibles on both the Preferred and Elite plans.
Hazardous Sports Coverage
RoamRight offers a hazardous sports upgrade for the Elite, Pro, and Pro Plus packages, but only one of these is available to the general public.
Lookback Period for Medical Conditions
It's great that RoamRight offers to cover pre-existing medical conditions, but with a 180-day lookback period, it may be hard to find many customers who haven't had a medical condition in the last six months.
The Bottom Line
Arch RoamRight offers single and multi-trip travel insurance plans to the general public and customers of travel suppliers. Their policies offer travel arrangement protection, travel medical and evacuation insurance benefits, coverage for lost or delayed baggage and belongings, plus optional upgraded coverage for a variety of limits. This option to upgrade limits is where RoamRight stands out.
Where this provider is lacking is in its coverage for hazardous sports and its use of deductibles for emergency medical coverage and baggage loss.
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