Travel insurance is one of the most misunderstood parts of trip planning. Some travelers skip it because they assume it’s unnecessary, while others think they’re fully protected by their credit card or employer. Unfortunately, those assumptions often don’t hold up when something goes wrong.
Here are eight common travel insurance myths, and the facts that every traveler should know, especially when considering a policy from Arch RoamRight.
🧳 Myth 1: “I Don’t Need Travel Insurance for Domestic Trips”
Fact: Travel insurance isn’t just for international travel. Even within the U.S., trip cancellation, delays or interruptions can result in lost money, especially when flights, hotels and tours are prepaid and non-refundable. Arch RoamRight offers coverage for both domestic and international trips.
💳 Myth 2: “My Credit Card Insurance Is Enough”
Fact: Many credit cards offer limited travel benefits, typically with lower reimbursement caps and no coverage for medical emergencies or evacuation. A standalone policy from Arch RoamRight often includes higher benefit limits, emergency medical care and access to 24/7 assistance services.
👴 Myth 3: “Travel Insurance Is Only for Seniors”
Fact: Travelers of all ages face risk. Illness, accidents, delays and lost luggage can affect anyone. Arch RoamRight offers plans suitable for students, families, solo travelers and business travelers — not just retirees.
📅 Myth 4: “I Can Wait to Buy It Right Before I Leave”
Fact: Some benefits — like the pre-existing condition waiver or cancel for work reasons — are only available if you buy your plan within a certain number of days after your first trip payment (usually 14 – 21 days, depending on the plan). Purchasing early can expand your protection options.
🏥 Myth 5: “My Health Insurance Covers Me Abroad”
Fact: Most U.S. health plans offer limited or no coverage outside the country, and Medicare generally does not cover international care. Arch RoamRight includes emergency medical and evacuation coverage in many of its plans, which can be critical in countries where care must be paid for out of pocket.
🧾 Myth 6: “Travel Insurance Guarantees I’ll Be Reimbursed for Any Cancellation”
Fact: Travel insurance only reimburses cancellations for covered reasons. Covered reasons may include illness, injury, family emergencies or weather events, but not changes of heart or unlisted situations.
Arch RoamRight outlines all covered reasons clearly in its policy documents so travelers can make informed decisions.
🛫 Myth 7: “I Don’t Need It Because I’ve Never Had to Cancel a Trip Before”
Fact: Past success isn’t a guarantee of future ease. Delays, airline strikes, passport issues and medical emergencies are all outside your control. Travel insurance isn’t about what’s likely, it’s about protecting your trip when the unexpected happens.
🧠 Myth 8: “Filing a Claim Is Complicated and Not Worth It”
Fact: Arch RoamRight offers an online claim initiation process and clearly outlines the documents required. With support from licensed representatives, travelers are guided every step of the way. Most claims are resolved faster when documentation is submitted promptly and accurately.
📋 Summary: Myth vs. Reality
|
Myth |
Reality |
|
Travel insurance is only for big trips |
Even weekend trips can benefit from coverage |
|
I’m covered by my credit card |
Credit card insurance may be limited and often incomplete |
|
It’s only for health issues |
Travel insurance also covers trip costs, delays and lost baggage |
|
It’s too expensive |
Plans can cost as little as 4–10% of your trip’s total cost |
✅ Know Before You Go
Understanding what travel insurance does, and doesn’t, cover is the key to using it effectively. With Arch RoamRight, travelers get transparent policy terms, customizable plans and access to real people who can help.
Don’t let myths get in the way of smart planning.
Start your travel insurance quote now — no personal information required to browse options.