Adele DiRende a RoamRight Blog Author

How Travel Insurance Works for Road Trips

When you want to soak in all the sights along the way to your destination, a road trip is the way to go. Being in the familiarity of a car for the majority of the trip, many people forget that trips don’t have to include air travel to warrant purchasing travel insurance.

If you want to supplement your primary insurance and protect your travels, RoamRight offers road trip insurance to meet your needs.

Medical Coverage

If your road trip is taking you more than 100 miles away from home, Arch RoamRight can provide protection for medical emergencies. Some traditional health plans may not cover care received in other states, so even domestic travelers may need to consider purchasing a travel medical insurance policy. Arch RoamRight is able to provide medical coverage for trips 180 days in length or less, so even if you plan a cross-country drive, you can be protected the whole way.

Beyond providing coverage in the event of a medical emergency, all Arch RoamRight insureds have access to a 24/7 emergency assistance line that puts trained emergency travel assistance providers at your fingertips.

Rental Car Coverage

Arch RoamRight’s Auto Rental Insurance Plus plan gives you the protection you need when you rent a car on your trip. Often, when you rent a vehicle, the rental company will ask you to purchase their collision damage coverage. This can be expensive, often provides very few benefits, and you may not have the time to review the policy to make an informed decision. Arch RoamRight’s Auto Rental Insurance Plus policy gives you coverage, within limitations, for damage to the car resulting from:

  • Collision
  • Theft
  • Vandalism
  • Windstorm
  • Fire
  • Hail
  • Flood
  • Any cause not within your control while the car is in your possession.

The Auto Rental Insurance Plus plan also provides baggage coverage up to the benefit limit in the case that your personal effects are lost, stolen, damaged or destroyed during your trip – provided you have taken all reasonable measures to protect, save and/or recover your property at all times.

However, if you choose to not rent a car for your road trip, Arch RoamRight travel insurance does not offer coverage for personal vehicles.

To learn more about the coverages and the related benefit limits for the Auto Rental Insurance Plus plan, please refer to the policy.

Trip Cancellation

Should an occasion arise that prevents you from traveling to or remaining in your destination, travel insurance may be able to provide a Trip Cancellation benefit. The Trip Cancellation benefit offered in Arch RoamRight’s travel insurance plans can help protect nonrefundable payments that you plan to make on your trip, such as hotels, tours, and packages.

Some limitations apply when filing a claim for trip cancellation insurance. However, our Cancel for Any Reason upgrade allows you to make a cancellation insurance claim for any and all reasons.

You can visit our blog to learn more about road trip insurance or read other posts about road trips.

Note: Available plans and coverages may have changed since this blog was published.

About the Author

Adele DiRende

Adele DiRende, a RoamRight Blog Author

Adele DiRende is a Marketing Intern currently pursuing a degree in Mass Communications at Towson University. Although the wallet of a college student is not kind to those with a passion for travel, Adele has experience in international travel to places like Italy and the UK, as well as domestic travel around the U.S. In addition to travel, Adele enjoys photography, music, and creative writing. Connect with her on LinkedIn.

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The RoamRight mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series, including LTP 2013 and amendments thereto. 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. Click here for privacy notice.

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