So we hear you are a frequent traveler, taking multiple trips every year. We also hear you are a savvy traveler and you buy a travel insurance policy before every one of those trips. It sounds like you certainly know what you’re doing!
But, have you ever considered an annual multi-trip travel insurance policy?
Annual multi-trip travel insurance provides travel insurance coverage for an unlimited number of trips in a single year. This means you only have to purchase a policy before your first trip of the year and you will not have to purchase a policy for additional
trips taken over the next 365 days.
With the Arch RoamRight Multi-Trip plan, the number of trips is unlimited. However, there is a trip cost limit that you cannot exceed during your year of travel.
The Arch RoamRight Multi-Trip plan provides four options for a combined maximum trip cost at the time of purchase: $2,500, $5,000, $7,500, or $10,000. Whatever trip cost you decide to insure at the time of purchase is the maximum trip cost you cannot
exceed throughout the course of the year among all trips combined.
Since we know travel can be unpredictable, if you find yourself about to exceed your maximum trip cost on your Multi-Trip Plan, you can give us a call at 800-699-3845 and we will help you find an additional policy that best fits your needs.
No single trip insured by an Arch RoamRight Multi-Trip plan can exceed 30 consecutive days. The end of a trip is defined as returning to your place of residence.
Overall, there is not a limit to the number of days traveled during the full year of your multi-trip policy, as long as a single trip doesn’t exceed 30 days and you do not exceed your covered trip cost.
Within the Arch RoamRight Multi-Trip plan, you will find many of the coverages you are used to in a single-trip plan, such as Trip Cancellation, Trip Interruption, baggage coverages, Emergency Medical, and more.
Download the complete policy for your state of residency.
(Note: Not available to residents of the state of Oregon.)
*Benefits are provided on an aggregate basis. The maximum limits are applied to the entire term of the policy (one year).
**Maximum of one (1) occurrence per year.
There are a variety of factors that are used to determine the price of a travel insurance policy. Therefore, an annual multi-trip travel insurance plan may not always be cheaper than a single trip policy purchased for each trip, but a multi-trip plan
can provide convenience in not having to buy a policy before every trip in a year.
As long as you have yet to exceed your covered trip cost for the year and your trip is not going to be longer than 30 days, you should not need to purchase additional travel insurance if you already have a multi-trip plan.
There are some cases where you might consider a stand-alone policy, such as an exceptionally expensive trip or a trip that you want higher travel medical benefit limits.
No, that’s the best part! As long as your trip falls within the trip cost maximum and length maximum, you do not need to let us know before every trip.
There are a few reasons why an annual multi-trip travel insurance plan may not be the best choice for you and your travel needs:
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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