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Traveler Dates of Birth: Explaination of Traveler Date of Birth

Coverage and Plan Details

Frequently asked questions about RoamRight's travel insurance coverage, the types of coverages available, plan options and plan details.


Coverages and Plans FAQs


What types of plans are available for trip insurance?

There are many travel or trip insurance plans that could meet your needs, depending on what your trip involves. RoamRight provides trip cancellation, trip interruption and/or travel medical insurance for single trips or annual plans, whether you’re traveling domestically or planning an around-the-world travel adventure. Before selecting a travel insurance plan, you will need to gather important details about your trip so you can accurately compare plans. To help you decide what risks you want to insure against for your trip, read our Top 10 Reasons to Purchase Travel Insurance.


What is a pre-existing condition?

The official definition of a pre-existing condition is: Any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the [specified time] period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

In essence, a pre-existing condition exists when medical care or treatment has been required within the time period specified in the policy. A pre-existing condition is controlled if no change in medication has been prescribed during that time. For example, high blood pressure may be considered a controlled pre-existing condition if the patient has not had a change in medication or its dosage within the time period specified in the policy.

The time period can be as few as 60 days or as long as 6 months, depending on the policy selected.


Can I get coverage if I have a pre-existing condition?

Yes. While most plans have exclusions for pre-existing conditions, this can be waived if the plan is purchased within 21 days of making the initial trip deposit. This is available on for the following RoamRight plans: Elite, Preferred, Pro, Pro Plus, and Multi-Trip. So if you’re going on a trip, don’t procrastinate in purchasing your travel insurance!


What are covered reasons for trip cancellation and trip interruption?

The long answer to this question is further below. In short, trip cancellation and trip interruption coverage includes the following:

  • Sickness, injury and death of you, your travel companion, your destination host, or your family
  • Jury duty, subpoenaed, etc.
  • Destruction of primary residence
  • Traffic accident while en route to your destination
  • Terrorist attack in your destination
  • Revocation of military leave
  • Worker’s strike
  • Weather events
  • Bankruptcy of your travel supplier
  • Being terminated or laid off from a job
  • Natural disaster
  • You discover you’re pregnant
  • A family member is giving birth
  • The school year is unexpectedly extended

Official Wording

This is the policy wording for RoamRight, however the Description of Coverage for your chosen policy supercedes what is written here. Limitations may vary by state.

  1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death or a Traveling Companion’s Family Member’s, that occurs before departure on Your Trip; or
  2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury, that: a) occurs before departure on Your Trip; b) requires Medical Treatment at the time of cancellation; and c) as certified by a Physician, results in medical restrictions so disabling as to cause Your Trip to be cancelled; or
  3. for Other Covered Events as defined:
    1. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
    2. You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;
    3. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your primary place of residence within 10 days of departure;
    4. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;
    5. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;
    6. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;
    7. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;
    8. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;
    9. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;
    10. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
    11. Bankruptcy or Default causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;
    12. the death or hospitalization of Your Host at Destination;
    13. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;
    14. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;
    15. the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;
    16. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;
    17. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

Do I need Cancel for Any Reason coverage?

For most travelers, the standard trip cancellation benefits are sufficient. However, you may prefer to know that you can cancel for any reason and still receive up to 75% of your trip costs. “Any reason” literally means for any reason. If you simply decide not to go on that trip, you’ll be covered. The 75% benefit limit for Cancel for Any Reason coverage is an upgrade to our Elite, Preferred, Pro and Pro Plus plans. To qualify for the upgrade, you must purchase your travel insurance within 21 days of making your initial trip deposit, and your decision to cancel your trip must be made more than 48 hours before your departure. . New York residents have access to similar coverage under Cancel for Fortuitous Reasons.


Do I need to insure my entire trip cost in order to have Cancel For Any Reason coverage?

You must insure the full nonrefundable cost of your trip in order to be eligible for the Cancel for Any Reason upgrade. 


What are the covered reasons for cancellation under Cancel for Work Reasons?

This is the policy wording for RoamRight, however the Description of Coverage for your chosen policy supercedes what is written here. Limitations may vary by state.

Cancel for work reasons include coverage for:

  1. Your or Your Traveling Companion’s transfer of employment of 100 miles or more by the employer with whom You or Your Traveling Companion are employed on Your Effective Date that requires Your or Your Traveling Companion’s principal residence to be relocated;
  2. You or Your Traveling Companion, neither of whom is a company owner or partner, or is self-employed, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;
  3. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner or self-employed, and You or Your Traveling Companion must be directly involved in such merger or acquisition;
  4. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster, product recall, Bankruptcy or Default and You and/or Your Traveling Companion are required to work as a result;

How does this work with my primary medical insurance?

With the exception of the Pro Plus policy, RoamRight travel insurance serves as secondary insurance to your primary medical insurance. However, if necessary, RoamRight can act as your primary insurance. For example, if you are on an international trip and your primary medical insurance will not pay directly to a foreign medical provider, RoamRight can pay the foreign provider, preventing you from having to pay out of pocket. Your primary medical insurance will then reimburse us.

RoamRight's Pro Plus policy serves as primary medical insurance during an emergency when traveling.


What is your definition of Family Member?

Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or inlaw), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.


Do you cover pregnancy?

Normal pregnancy is covered as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records.


What are the activities covered by the Hazardous Sports Coverage?

Click here to view the complete list of activities.


Can I insure my Frequent Flier miles?

Yes, as long as you include the airline’s redeposit fees in your Trip Cost when you obtain your quote.


Does RoamRight cover medical tourism?

Travelers should note that the travel medical insurance is not the same as “medical tourism insurance” – where one leaves his/her home country to obtain medical treatment for a pre-existing elective or needed procedure. Rather, our travel medical insurance benefits focus on protecting you from unexpected medical emergencies domestically or worldwide during the course of travel.

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