Arch RoamRight

Compare Rates

at Squaremouth

pros & cons

Pros

Complimentary coverage for one childStellar BBB ratingMedical-only and multi-trip coverage offerings

Cons

Only two main policy optionsNo CFAR optionWebsite isn't user friendly

Compare Rates

at Squaremouth

Arch RoamRight

pros & cons

Pros

Complimentary coverage for one childStellar BBB ratingMedical-only and multi-trip coverage offerings

Cons

Only two main policy optionsNo CFAR optionWebsite isn't user friendly

Although many credit cards offer travel insurance as part of their benefits, coverage limits vary, so you may want to look at standalone travel insurance plans too.

There are a lot of options to choose from, in terms of both insurance providers and cost. If you’re considering Arch RoamRight travel insurance to insure your next trip, let’s take a look at the coverage it provides and how much its plans cost.

What is Arch RoamRight?

Arch Insurance Group has provided underwriting services for many travel insurance companies since 2002.

In 2012, Arch Insurance launched its own Maryland-based travel insurance company called Arch RoamRight and started providing coverage for U.S. citizens and permanent residents.

Arch RoamRight plans

Arch RoamRight travel insurance offers two types of comprehensive plans: Pro and Pro Plus. Here’s what you can expect to be covered by each plan.

Pro Plan

This more affordable policy covers:

100% trip cancellation (with a limit of $15,000).

100% trip interruption or delayed arrival.

Itinerary change or return flight costs.

Trip delay or missed connection costs.

Emergency accident and sickness medical expenses.

Emergency evacuation and repatriation of remains.

Political and security evacuation.

Baggage loss or delay expenses.

Complimentary coverage for one child 17 or younger, with a covered adult.

Pre-existing medical conditions (if certain conditions are met).

Worldwide travel assistance.

Pro Plus Plan

The premium policy includes everything you’ll find on a Pro plan plus:

150% trip interruption coverage.

Cancel for work reason coverage.

Accidental death and dismemberment coverage.

Optional Platinum upgrade, which will increase some coverage limits, including medical, medevac and trip delay.

What does Arch RoamRight cover?

Let’s compare the Arch RoamRight travel protection plans, costs and coverage inclusions for a 10-day trip to Spain that costs $2,000 for a 36-year-old resident of Utah.

Pro plan coverage

Coverage and limits for the Pro plan from Arch RoamRight include:

Trip delay: $150 per day, with a $600 maximum.

Trip cancellation: 100% of the trip cost, with a $15,000 limit.

Trip interruption: 100% of the trip cost.

Baggage delay: $300.

Lost baggage: $250 per article, combined limit of $500 for valuables, $750 total limit.

Missed connection: $250.

Emergency evacuation: $250,000.

Political and security evacuation: $50,000.

Emergency accident and sickness medical expense: $25,000, with a $750 maximum for dental.

Pre-existing medical conditions waiver: Plan must be purchased within 14 days of your initial trip payment.

Return flight cost: $500 (in case of a Level 4 travel advisory).

The plan cost for our sample trip is $107.

Pro Plus coverage

Coverage and limits for the Pro Plus plan from Arch RoamRight include:

Trip delay: $200 per day, with a $1,000 maximum.

Trip cancellation: 100% of the trip cost, with no limits.

Trip interruption: 150% of the trip cost.

Baggage delay: $400.

Lost baggage: $250 per article, combined limit of $600 for valuables, $1,500 total limit.

Missed connection: $750.

Emergency evacuation: $500,000.

Political and security evacuation: $100,000.

Emergency accident and sickness medical expense: $50,000, with a $750 maximum for dental.

Accidental death and dismemberment: $10,000 or $25,000 on an aircraft.

Pre-existing medical conditions waiver: Plan must be purchased within 21 days of your initial trip payment.

Cancel for work reason: 100% of the trip cost, plan must be purchased within 21 days of your initial trip payment.

Return flight cost: $750 (in case of a Level 4 travel advisory).

This level of coverage will set you back $121.

Both plans offer the option to add on the following types of coverage:

Rental car damage.

Sports and hazardous sports.

Baggage, sports and business equipment.