Updated December 20, 2022 - Coronavirus
We are committed to assisting our Insureds who may need help navigating the impact of this epidemic on upcoming travel plans or while they are traveling.
To help you better understand your plan, below are some helpful Questions and Answers that may address your concerns prior to your trip. We are monitoring this evolving situation and will provide applicable updates to our website at www.RoamRight.com If you need any additional guidance please contact us at 1-800-699-3845.
Please note that these answers and temporary accommodations only apply to customers whose Plans include the applicable benefits.
If I contract Coronavirus or one of my traveling companions or family member contracts Coronavirus either before the trip or during the trip, what coverage is available to me?
If you, a traveling companion or family member test positive for Coronavirus, you may be covered for trip cancellation or trip interruption provided you are advised by a Physician that you are not fit for travel within 5 days* of your trip’s departure or you are unable to continue on your trip. If you are required to quarantine during your trip and are unable to return home, you may be covered for additional accommodation and meal costs subject to the limits on your Plan. Please review question
11 for proof of loss required.
What do you accept as proof of a COVID-19 infection?
We will accept the following documentation as proof of loss for the following benefits:
Cancellation: If an insured, insured's family member, or a traveling companion, or a business partner or a traveling companion's family member, tests positive with COVID-19, current CDC guidelines for travel state: “Do not travel until a full 5 days* after your symptoms started or the date your positive test was taken if you had no symptoms.”
For all travel with departure dates on or after 12/20/2022, we will be following these CDC guidelines to determine coverage for trip cancellations due to COVID-19.
If you need to cancel a trip due to a positive COVID-19 test result:
- You must submit the following with your filed claim:
- An Attending Physician’s Statement (APS) that includes the date of the first onset of symptoms, the date of the positive COVID-19 test, and a physician’s statement certifying the symptoms or restrictions that prevent you from traveling on the date of departure; we encourage you to immediately see a physician upon onset of symptoms to obtain the APS in a timely fashion; OR
- In lieu of an APS, and in accordance with current CDC guidelines*, we will accept a positive test result administered or video monitored by an approved third party lab or physician’s office (at home collection will not be accepted) if the positive test occurs within 5 days* prior to trip departure and is collected and dated within this 5 day period
- If a positive test occurs more than 5 days* prior to departure, we will require an APS within the 5 day period prior to the scheduled departure date certifying that the sickness is so disabling as to prevent travel on the date of departure.
* Subject to change by the CDC. For updated CDC guidance on COVID-19, please visit the CDC’s website at https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html#do-not-travel
or consult your medical professional.
For Trip Interruption**: If an insured, insured's family member, or a traveling companion, or a
business partner or a traveling companion's family member tests positive with
COVID-19 during their trip with a signed Attending Physician Statement. We will
also accept a lab report of a positive COVID-19 test administered and
supervised by an accredited health care professional (such as CVS, Walgreens,
etc.). Results solely from an at-home test are not acceptable.
For Trip Delay**: Trip delay benefits apply if you are delayed en route to, during or
returning home from your trip if an insured, insured family member who is also
traveling, or insured’s traveling companion tests positive with COVID-19 with a
signed Attending Physician Statement. We will also accept a lab report of
a positive COVID-19 test administered and supervised by an accredited health
care professional (such as CVS, Walgreens, etc.) Results solely from an at-home
test are not acceptable.
**If you or your traveling companion test positive for
COVID-19 while you are on your trip and are unable to return home on your
scheduled departure date, you may be covered while you are delayed by the Trip
Delay benefit for additional hotel nights, meals and local transportation. In
addition, you may be covered by the Trip Interruption benefit for airline
change fees or additional transportation costs to rebook your flight home.
Please review your policy confirmation documents for the daily and total
Once you return home, you may file your
claim online by visiting https://roamrightclaims.archinsurancesolutions.com/.
Please complete the Trip Delay claim form.
You will need to provide the following
documents when you submit your claim:
of positive COVID-19 test.
and revised itinerary including flight information.
airfare receipt showing cost of the additional ticket(s) or change fee(s).
provide a copy of all receipts for meals, local transportation and the hotel
invoice. Additionally, please itemize each receipt with an explanation of
the associated expense – if you have a credit card statement showing the
charges, please provide that so that we can review any currency conversions
If my physician advises me or a traveling companion not to travel due to underlying conditions which could increase my risk of contracting Coronavirus, will I have coverage for trip cancellation? or Will my Plan cover trip cancellation or interruption because of fear of travel due to the Coronavirus?
Like most travel insurance plans available, canceling a trip due to concern or fear of travel is not a covered event under our travel insurance plans, unless your Plan included Cancel For Any Reason (“CFAR”) upgrade or CancelFlex.
My tour operator cancelled my tour because of the Coronavirus outbreak. Is this covered?
There is no coverage under the plan for this circumstance. You should seek a refund from your tour operator and other travel suppliers, including your airline carrier. Note that if your plan includes the Cancel For Any Reason Benefit or CancelFlex, it
does not cover penalties associated with any air or other travel arrangements not provided by Travel Supplier or the failure of Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
Does my Plan cover trip cancellation or interruption because the my intended destination has reported incidents of COVID 19 or any other Pandemic?
Trip cancellation or interruption benefits are not available when the intended destination has reported incidents of COVID 19 or any other Pandemic, unless your Plan included a CFAR upgrade or CancelFlex benefit. A full list of unforeseen covered events
for trip cancellation and trip interruption, along with general exclusions, is found in your plan document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Plan
Does my Plan cover trip cancellation or interruption because the my intended destination is the subject of a Government Agency, such as the CDC, Travel Warning?
Trip cancellation or interruption benefits are not available because the intended destination is the subject of a Government Travel Warning, unless your Plan included a CFAR upgrade or CancelFlex benefit. A full list of unforeseen covered events for
trip cancellation and trip interruption, along with general exclusions, is found in your plan document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Plan language.
Does my Plan cover expenses if I am physically quarantined while travelling, whether there is an operable forseeability date triggering or precluding said coverage?
If the Plan was purchased on or before March 21, 2020, Trip cancellation or Trip interruption benefits may be available to cover expenses if Insured is physically quarantined prior to departure or while traveling due to concern of exposure to Covid-19
. Trip Delay benefits may be available if you incur additional hotel and meal expenses while you are physically quarantined.
If my state or my trip destination has implemented a “shelter in place” or a “stay at home” order, is that considered quarantine? And am I covered?
There are no benefits under the plan for shelter in place or stay at home orders issued as they are not considered quarantines as defined by the CDC or the Code of Federal Regulations. These orders are intended to prevent further spread of COVID-19 in
a community. Unlike quarantines that completely prevents any interaction with other individuals, there are many exceptions provided under these orders that permit people to leave their homes for essential activities including, but not limited to,
seeing a doctor for medical care, grocery shopping, pick up carry-out from restaurants, and outdoor exercising like biking or jogging – while practicing social distancing.
Does my Plan provide medical coverage if I contract the virus while traveling?
Emergency Medical Treatment benefits may be available under the Plan if the Insured becomes Sick, as defined in your Plan, including contracting the virus while traveling regardless of the date of travel. Additionally, Emergency Medical Evacuation benefits
may be available if it is determined that transportation to a higher level of care is necessary as a result of contracting the virus while traveling.
Some countries are requiring proof of travel insurance and medical coverage with specified benefit limits. Do any of the Arch RoamRight plans meet these requirements?
Before traveling, please check with your destination country or check with your travel supplier to determine what the requirements are, as they are subject to change. Arch RoamRight plans generally meet countries that now require travel insurance for
visitors to cover medical expenses in case they become ill with Covid-19.
I am required to provide proof of a negative test prior to my trip departure but my results are not available in time for my trip departure. Am I covered?
There is no coverage for trip cancellation or trip interruption if your results do not arrive in time for your trip departure. It is the insured’s responsibility to get all necessary travel affairs in order prior to the trip departure date.
As of January 26, 2021, federal regulations require anyone traveling abroad to provide proof of a negative test prior to boarding the flight back to the United States. Is the cost of the test covered?
The cost of a test as a general screening requirement is not covered. If you are advised to take a test by a Physician, you may have coverage for the cost of the test.
If I test positive as a result of the testing requirement to return to the United States, what coverage is available?
If you test positive, with a signed Attending Physician Statement verifying the positive result or a lab report of a positive COVID-19 test administered and supervised by an accredited third party laboratory (such as CVS, Walgreens, etc.), you may have
coverage for trip interruption for any pre-paid, non-refundable expenses for tours or excursions missed as well as additional transportation costs to return home if you cannot travel home on your scheduled return date. You may also have coverage for
accommodations, meals and local transportation while you are delayed under the trip delay benefit.
If I am required to provide proof of a negative test in order to board my cruise ship or participate on a tour or excursion, is the cost of my test covered?
The cost of a test as a general screening requirement is not covered. If you are advised to take a test by a Physician, you may have coverage for the cost of the test.
If I am found to have a fever during a temperature check conducted by my travel supplier during any part of my trip and I am prevented from embarking or continuing with my trip as a result, would I or my traveling companion have coverage?
You may have coverage under trip cancellation or trip interruption provided your sickness is documented by a physician and is recommended that you cannot take or continue your trip.
If I am on my trip, contract Coronavirus and quarantined on premises, do I have any coverage?
You may have coverage for medical expenses incurred while you are on your trip. If your scheduled return date approaches and you are still quarantined, there may be coverage for additional nights and meals under the trip delay benefit as well as trip
interruption coverage to rebook your flight. Coverage for the hotel nights during your scheduled trip dates are not covered because you are still using your accommodations.
If I am on my trip, contract Coronavirus and quarantined off premises, do I have any coverage?
Unused accommodations and travel arrangements would be covered under the trip interruption benefit. In addition, you may have trip delay coverage for any meals and accommodations that you incur while quarantined.
If I am exposed to someone who tests positive for Coronavirus before or during my trip and I self-quarantine, am I covered?
You would not be covered for trip cancellation, trip interruption or trip delay if you come into contact with someone who has Coronavirus and you choose to self-quarantine.
This Q&A is current as of the time of publication but is subject to change. The responses address losses incurred on or after the publication date. The temporary accommodations described in this publication are strictly applicable to COVID-19, are only
available for customers whose plan includes the applicable benefit and may not apply to future plans. No change to all other terms, conditions, and exclusions of the plan. The Q&A is intended to provide general information only and not a coverage
determination with respect to a claim as each claim is are reviewed under the terms of the policies and the particularized facts and circumstances.
Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series including LTP 2013 and amendments thereto. Plans are administered by Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License
#0I18111, TX License #1787195). The travel insurance producer can be reached at 1-844-872-4163 and the underwriter may be reached at 1-800-699-3845. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states.
In the event of any conflict between your policy terms and coverage descriptions on this website, the terms and conditions of your policy shall govern. Consumer Disclosures can be found at: https://partner.roamright.com/disclosures.
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For more information on COVID-19, please visit the World Health Organization’s website at https://www.who.int/emergencies/diseases/novel-coronavirus-2019 or the CDC’s website at https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html#do-not-travel, or consult your medical professional.
We've compiled a short list of helpful information for RoamRight customers experiencing problems created by a significant event, such as a hurricane, earthquake, snowstorm, or others. Please refer to this page for easily accessible information about seeking
help, filing a claim, and getting up-to-date information on the situation.
Emergency Assistance and Customer Service
If you are experiencing an emergency and need immediate help, please call our 24/7 assistance provider using the information below.
24/7 Emergency Travel Assistance
Toll-Free US: 1-855-286-8348
Direct Outside US: 1-443-279-7335
Hours: 24 hours a day, 7 days a week, 365 days a year
Toll-Free US: 1-855-762-6252
Hours: Monday - Friday, 9AM - 5PM EST
Toll-Free US: 1-877-687-7170
Direct Outside the US: +1-201-537-9871
Hours: Monday - Friday, 8:30AM to 8:00PM EST
Filing a Claim
Read everything you need to know about filing a claim by visiting the
Claims Information section of our website.
Instructions for How To File A Claim
The U.S. DOS Bureau of Consular Affairs also maintains a list of Travel Alerts & Warnings. Travelers can search by location or review the entire list.
The same department also hosts a website for travelers to get help in the event of an emergency, anything from lost or stolen passports to a natural disaster.
Homeland Security also maintains a website related to overseas travel and alerts. They offer a list of international travel tips as well.
Here is another U.S. government travel site with links to many travel resources.
Emergency Help for Americans Abroad:
One of the most useful travel resources is the
RoamRight mobile app. With the mobile app, travelers have access to all of these important resources in one place. As a partner, you can get access to all of the features
in this award-winning app available on the App Store and Google Play. With detailed destination and security information, this should be your go-to resource for up-to-the-minute travel, health and security advice and information.