I’ll let you in on a little secret: the best travel insurance for you isn’t the same as the best travel insurance for me. Travel insurance plans and coverage vary as much as the travelers who buy them – and for good reason. Each trip is different and therefore needs a different kind of coverage.
Of course, we would suggest you begin your search here at RoamRight. You can get a quote from any place on our website and compare travel insurance plans. Or, you can call 1-800-699-3845 to speak with a customer service representative.
If you want to take a broader look at travel insurance providers, we suggest looking at websites that compare multiple providers. Some of our favorites are Squaremouth, InsureMyTrip and TravelInsurance.com.
There are a few things to consider when looking for a travel insurance plan. The first starts with the type of coverage you need. Understand the answers to these two questions before proceeding:
Look for plans that are either marked as trip cancellation plans, travel medical plans, or packaged plans. Packaged plans combine both trip cancellation and travel medical coverage.
Once you identify the type of insurance you’ll need, you should compare coverage benefits based on your travel plans. Here are a few things to keep in mind:
If you are traveling to a destination that doesn’t have immediate access to healthcare, you’ll want to make sure you have a higher benefit limit for your medical and evacuation coverage. Simply put, if there’s a medical emergency, you’ll want quality care, and sometimes that can mean an expensive air ambulance ride.
(How expensive? One RoamRight traveler’s flight from Europe to the United States cost $70,000. Read his story here.)
Cancel for Any Reason coverage allows you to do just that – cancel your trip up to 48 hours before departure. The “any reason” covers everything beyond the standard trip cancellation triggers like accident and illness, revocation of military leave, terrorist attack in your destination, unforeseen weather events, etc. Read our Frequently Asked Questions for a full list of reasons covered by RoamRight’s travel insurance policies.
Please note: Cancel For Any Reason coverage is not available to New York residents.
If you buy certain RoamRight travel insurance policies within 21 days of making the initial payment for your trip, we’ll waive the pre-existing conditions clause of your policy. This gives you greater benefits for purchasing your insurance early.
Most travel insurance policies don’t cover activities like bungee jumping or sky diving. It’s important to check the policy before you buy. Even an activity like skiing or SCUBA diving may require a specialized plan depending on your state of residency. Read a complete list of activities and how they are covered by RoamRight policies.
If you’re traveling with expensive sporting equipment like skis or golf clubs, or packing an expensive camera, make sure your baggage benefits cover these costs.
If you’ve read over all of the information and are just as confused as ever, simply ask for help! Every travel insurance provider should have a phone number to call or an address to email. You can call RoamRight anytime at 1-800-699-3845, or visit the homepage of our website and start an online chat. We’ll review your travel plans with you to find the most appropriate coverage for your trip.
Have you ever bought travel insurance? What do you look for in a travel insurance plan?
Note: Available plans and coverages may have changed since this blog was published.
Arch RoamRight recently launched two plans on our website; learn the differences between the plans.
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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