Frequently asked questions about RoamRight's travel insurance coverage, the types of coverages available, plan options and plan details.
Coverages and Plans FAQs
What types of plans are available for trip insurance?
There are many travel or trip insurance plans that could meet your needs, depending on what your trip involves. RoamRight provides trip cancellation, trip interruption and/or travel medical insurance for single trips or annual plans, whether you’re traveling
domestically or planning an around-the-world travel adventure. Before selecting a travel insurance plan, you will need to
gather important details about your trip so you can accurately compare plans. To help you decide what risks
you want to insure against for your trip, read our
Top 10 Reasons to Purchase Travel Insurance.
What is a pre-existing condition?
The definition of a pre-existing condition found in most Arch RoamRight policies is: an illness, disease, or other condition during the 120 day period immediately prior to the Effective Date of Your coverage for which You or Your Traveling Companion, Business Partner or Family Member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 120 day period before Your coverage is effective under this policy.
In essence, a pre-existing condition exists when medical care or treatment has been required within the time period specified in the policy. A pre-existing condition is controlled if no change in medication has been prescribed during that time. For example,
high blood pressure may be considered a controlled pre-existing condition if the patient has not had a change in medication or its dosage within the time period specified in the policy.
Can I get coverage if I have a pre-existing condition?
Yes. While most plans have exclusions for pre-existing conditions, this can be waived if the plan is purchased within the time sensitive period specified within the plan. This is available for both Arch RoamRight's Pro and Pro Plus plans. So if you're
going on a trip, don’t procrastinate in purchasing your travel insurance!
What are covered reasons for trip cancellation and trip interruption?
There are many covered reasons for trip cancellation and trip interruption. You can find the complete list in the plan documents.
Below is a brief summary of the types of events covered, however other terms and conditions may apply.
- Sickness, injury and death of you, your travel companion, your destination host, or your family
- Jury duty, subpoenaed, etc.
- Destruction of primary residence
- Traffic accident while en route to your destination
- Terrorist attack in your destination
- Revocation of military leave
- Worker’s strike
- Weather events
- Bankruptcy of your travel supplier
- Being terminated or laid off from a job
- Natural disaster
- You discover you’re pregnant
- A family member is giving birth
- The school year is unexpectedly extended
What are the covered reasons for cancellation under Cancel for Work Reasons?
Cancel for work reasons may include coverage for the reasons listed below. Please refer to your plan document for details:
- Your or Your Traveling Companion’s transfer of employment of 100 miles or more by the employer with whom You or Your Traveling Companion are employed on Your Effective Date that requires Your or Your Traveling Companion’s principal residence to be
- You or Your Traveling Companion, neither of whom is a company owner or partner, or is self-employed, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;
- Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or
partner or self-employed, and You or Your Traveling Companion must be directly involved in such merger or acquisition;
- Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster, product recall, Bankruptcy or Default and You and/or Your Traveling
Companion are required to work as a result;
How does this work with my primary medical insurance?
Many of Arch RoamRight's plans function as primary medical insurance. However, for any plans where medical coverage is excess, when necessary, RoamRight can act as your primary insurance. For example, if you are on an international trip
and your primary medical insurance will not pay directly to a foreign medical provider, RoamRight can pay the foreign provider, preventing you from having to pay out of pocket. Your primary medical insurance will then reimburse us.
What is your definition of Family Member?
Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or inlaw), parent (includes step or in-law), grandparent (includes
in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.
Do you cover pregnancy?
Normal pregnancy is covered as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records.
What are the activities covered by the Hazardous Sports Coverage?
Click here to view the complete list of activities.
Can I insure my Frequent Flier miles?
Yes, as long as you include the airline’s redeposit fees in your Trip Cost when you obtain your quote.
Does RoamRight cover medical tourism?
Travelers should note that the
travel medical insurance is not the same as “medical tourism insurance” – where one leaves his/her home country to obtain medical treatment for a pre-existing elective or needed
procedure. Rather, our
travel medical insurance benefits focus on protecting you from unexpected medical emergencies domestically
worldwide during the course of travel.