Many travel professionals recommend that you buy travel insurance prior to your trip. There are many circumstances when travel insurance can come in handy before and during your travels,
and it is very common for travel to be complicated by the unforeseen:
Yes, for Arch RoamRight travel insurance plans, the traveler’s age is one of the factors that affects the pricing of the plans.
Since the price of travel insurance plans can vary based on traveler’s age, length of trip, and other factors, it is difficult to estimate the average cost of a travel insurance plan.
Driveway-to-driveway coverage is a phrase you may encounter when researching travel insurance. Basically, any travel insurance plans that is described as driveway-to-driveway provides coverage outside of just the time you are actually in your travel destination.
These coverages, such as trip cancellation and trip delay, can provide coverage for travelers when they are en route to their final destination, or en route back to their primary residence.
However, it should be noted that often the driveway-to-driveway moniker should not be taken literally. For example, your travel insurance policy would not provide coverage for medical emergencies suffered while driving to the airport for your flight to
You should purchase your travel insurance when you first book your trip since many travel insurance plans have early purchase benefits that can be beneficial, such as a Pre-Existing Conditions Exclusion waiver and optional upgrades like Cancel for Any Reason.
For example, it is important to know that once a hurricane is named, it is no longer considered an unforeseen event, and you therefore may not be covered by a travel insurance policy if it is purchased after the hurricane develops. In 2018, Hurricane
Michael was first named a hurricane on October 8. Only travelers who purchased travel insurance prior to October 8 were covered for claims related to Hurricane Michael.
You should insure the non-refundable portions of your travel plans. This often includes lodging and pre-paid tours or excursions.
You can always purchase the travel insurance and then add additional non-refundable trip costs at a later date (before you leave for your trip). You can do this by calling our customer service team at 1-800-699-3845 Monday through Friday, 8:30AM to 9:00PM.
Of course, since the cost of travel insurance is decided in part by the cost of your trip, the price of your plan may increase if you add additional trip costs.
Only those that have their own travel insurance policies are covered. At Arch RoamRight, one child is included per covered adult, but they must be listed as a traveler on your plan.
A Pre-Existing Conditions Exclusion waiver can result in additional coverage to the trip cancellation and trip interruption benefits when it comes to claims arising from pre-existing medical conditions. This could apply to medical conditions affecting
the insured, their traveling companion (insured or uninsured), or either of their family members, as defined.
To be eligible for the Pre-Existing Conditions Exclusion waiver, you must meet all of the following criteria:
†For definitions, please refer to the policy
For Trip Cancellation and the optional Cancel for Any Reason coverages, the coverage begins typically at 12:01AM the day after receipt of your payment for a travel insurance policy. All other coverages begin at 12:01AM on the date you depart on the first
scheduled travel arrangement for an insured trip. However, you should consult a copy of your policy for the full terms and conditions.
Coverage ends for Trip Cancellation on the earlier of: the scheduled departure time on the scheduled departure date of your trip, the date and time you depart on your trip, or the date and time you cancel your trip.
Coverage ends for Cancel for Any Reason coverage on the earlier of: 48 hours prior to the scheduled departure time on the scheduled departure date of your trip, the date and time you depart on your trip, or the date and time you cancel your trip.
All other coverages end on the earlier of: the date the trip is completed, the scheduled return date, your arrival at the return destination on a round-trip (or the destination on a one-way trip), cancellation of the trip covered by the policy, or the
expiration date of the policy.
Travel insurance for trips to national parks: Why is it
While extensive vacations are becoming less common, travel insurance can still be helpful on a short trip.
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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