Emergency Medical Coverage
Unexpected illness or injury can happen anywhere, even while traveling. Emergency medical coverage from Arch RoamRight helps cover the costs of unexpected medical emergencies while traveling domestically or abroad, so you can focus on getting the care you need.
What Is Emergency Medical Coverage?
Emergency medical coverage provides reimbursement for necessary medical treatment if you become sick or injured during your trip. Whether it’s a sudden illness, an accident, or an unexpected hospital stay, this benefit can help cover doctor visits, hospital services, prescription medications and more.
With Arch RoamRight travel insurance, you can access 24/7 emergency assistance services to help coordinate care, arrange payment and locate medical facilities anywhere in the world.
What It Can Cover
- Medical treatment for a sudden illness or injury while traveling
- Hospital stays, ambulance transportation and prescription medications
- Physician and specialist care abroad
- Emergency dental treatment due to injury
- Coordination of medical services through 24/7 assistance
(Coverage and limits vary by plan. Refer to your policy for complete details.)
Why Emergency Medical Coverage Matters
Your regular health insurance may not travel with you. Many U.S. health plans, including Medicare, provide limited or no coverage outside the country. Without travel medical insurance, even a short hospital stay abroad can lead to significant out-of-pocket expenses.
Arch RoamRight’s Emergency medical coverage gives travelers confidence knowing they’re protected if the unexpected happens far from home.
Emergency Medical vs. Emergency Medical Evacuation
| Emergency Medical Coverage | Emergency Medical Evacuation Coverage |
|---|---|
| Covers treatment for illness or injury while traveling | Covers transportation to the nearest adequate medical facility or back home |
| Includes doctor visits, hospital stays and medications | Includes air ambulance or medical transport if required |
| Helps pay medical bills at your destination | Helps cover costs of safe return for medical reasons |
| Focuses on care received during your trip | Focuses on getting you to proper care when local treatment isn’t available |
Both coverages work together to help protect you from costly medical situations while traveling.
Plans That Include Emergency Medical Coverage
Emergency medical coverage is included in several Arch RoamRight travel insurance plans:
Pro Plan
Pro Plus Plan
On Trip Plus Plan
Multi-Trip Plan
Each plan offers varying coverage limits and optional upgrades to fit your travel needs. Compare our travel insurance plans to find the best protection for your next trip.
Frequently Asked Questions
Does my U.S. health insurance cover me abroad?
Many domestic health insurance plans, including Medicare, offer limited or no coverage outside the United States. Travel insurance with emergency medical coverage can help fill that gap.
Does this coverage have a deductible?
No. Arch RoamRight’s emergency medical coverage has no deductible, so you receive coverage benefits without having to pay an upfront out-of-pocket amount toward your claim.
Is Emergency Medical coverage primary or excess (secondary)?
Arch RoamRight’s emergency medical coverage is primary on most plans, which means eligible medical expenses are paid first, without requiring you to submit claims through your personal health insurance provider.
What’s the difference between Emergency Medical and Medical Evacuation coverage?
Emergency medical coverage pays for medical treatment while traveling. Medical evacuation coverage helps pay for transportation to the nearest adequate medical facility or back home if medically necessary.
Does this benefit include COVID-19 coverage?
Yes, illness due to COVID-19 is treated like any other covered sickness, provided it occurs after your policy’s effective date.
How do I access care if I’m sick or injured abroad?
Contact Arch RoamRight’s 24/7 emergency assistance team. They can help locate nearby hospitals, communicate with medical staff and arrange payment or evacuation if needed.
Which plans include Emergency Medical coverage?
Emergency medical coverage is available on the Pro, Pro Plus, On Trip Plus and Multi-Trip plans. Each includes different coverage levels and options.
If you have questions, our knowledgeable Customer Service Representatives can assist you in finding the right plan. Call us at