Arch RoamRight recently launched two plans on our website, replacing the long-standing Elite, Preferred and Essential plans. At first sight, the new plans: Pro and Pro Plus, may seem identical. However, as the names imply, Pro Plus has additional benefits
that you may want to consider.
The Pro Plus plan pays on a primary basis for several benefits; whereas the Pro plan pays on an excess basis for the same benefits.
Travel insurance plans that includes Medical Expense and Medical Evacuation benefits paid on a Primary basis is when that plan pays for any covered events, regardless of any other insurance plans that an individual may have.
For example, consider a person who has a health insurance plan through their employer, but also has an insurance plan that offers primary emergency medical coverage through Arch RoamRight. If that individual experiences a covered medical emergency abroad,
Arch RoamRight would pay for all of the medical expenses up to the plan maximum, regardless of their other plan.
Travel insurance plans that includes Medical Expense and Medical Evacuation benefits paid on an excess basis pays out only after any other insurance policies have been applied.
For example, if the same person in the scenario above has an Arch RoamRight plan with medical expense benefits paid on an excess basis, they would rely on their employer health insurance plan to cover all medical expenses incurred in accordance with that
plan’s provisions, and Arch RoamRight would pay the remaining unreimbursed expenses up to the plan maximum and in accordance with the plan provisions.
However, in the case of a covered medical emergency that occurs while traveling and requires advance payment prior to receiving care, Arch RoamRight would pay for the initial, emergent expenses, but would then try to recoup those costs from the individual’s
primary health insurance provider. At no point in time should payment for care interfere with acquiring care in a covered emergency.
The other main differentiator between the Pro and Pro Plus plans is the inclusion of Cancel For Work Reasons. When the policy is purchased within 21 days of making the initial trip deposit, the Pro Plus plan automatically includes the Cancel for Work
Reasons benefit. This benefit includes additional trip cancellation triggers that are linked to your place of employment.
The Cancel for Work Reasons coverage is applicable when any of the following unforeseen events occur:
It’s important to note that these events must be unforeseen at the time of booking and several of them are not available to business owners, partners, or people who are self-employed.
Read a detailed description of the Arch RoamRight Pro & Pro Plus Plans or see details
about all of the travel insurance policies available from Arch RoamRight.
Note: Available plans and coverages may have changed since this blog was published.
Volcanic eruptions are natural disasters that may be covered events under Arch RoamRight travel protection plans. From minor disruptions to catastrophic events, volcanos can affect travelers around the world.
RoamRight's Marketing Communications Specialist, Victoria Zidwick, has worked in the travel insurance industry for more than five years. She has traveled extensively throughout the United States and has a handful of international travel experiences.Victoria's travel experiences have changed in recent years, as her family grows and she is learning the ins and outs of traveling with children. Connect with Victoria on LinkedIn or follow her onTwitter or Google Plus.
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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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