Be sure to also read our first three parts of the Top Travel Insurance Questions Answered series:
In general, claimable events that happen as result of being under the influence of alcohol is always excluded from coverage under Arch RoamRight travel insurance plans. This includes, but is not limited to, coverage for trip cancellation, trip interruption, trip delay, and emergency medical expense.
Yes, you can have coverage for lost, stolen, or damaged cell phones and laptops under the Baggage & Personal Effects benefit in Arch RoamRight plans. There is however a combined maximum for these items that varies based on which plan you select. You should read your policy before purchasing in order to understand the combined maximum of these items.
Travel insurance is a type of coverage that helps protect you if your vacation or business travel plans change. It also may provide travel medical insurance for emergencies that occur outside of your network.
The benefits and features outlined below vary from plan to plan. You can click on each listing for a more detailed description of each travel insurance feature, including exclusions and limits.
You can also purchase a plan that emphasizes travel medical insurance coverage. This type of coverage does not provide any pre-departure benefits such as trip cancellation but may also include medical evacuation, repatriation and baggage and personal effects coverage.
However, it is important to understand the difference between travel medical and travel health insurance. While travel medical insurance is designed to provide emergency medical coverage for short-term trips out of the country – such as a vacation – travel health insurance is a long-term alternative for those who plan to spend an extended period of time outside of their home country.
Travel medical insurance plans, like those offered by Arch RoamRight, only cover trips of a maximum of 180 days and can provide coverage for medical emergencies, such as broken bones or emergency surgeries.
Travel health insurance is for trips longer than 180 days and usually provides coverage for preventative care, doctor visits, and elective surgeries. Arch RoamRight does not offer travel health insurance.
With Arch RoamRight, there are no age limits for travel insurance coverage. Under our plans, one child under the age of 18 is included in the coverage for each related adult.
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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