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    General Travel Insurance Questions


    What is travel insurance?

    Travel insurance is a protection plan that guards against financial losses or expenses that may occur during travel - such as having to cancel your trip for reasons beyond your control and losing non-refundable deposits and airfare. RoamRight offers a number of travel insurance plans to help protect against a variety of risks. With RoamRight, you can travel with peace of mind.


    What is travel medical insurance?

    Travel medical insurance covers medical expenses and medical evacuation expenses while you are traveling. Travel medical insurance covers certain claims that standard medical insurance and travel insurance do not. Medical travel insurance can cover sickness expenses while abroad, dental expenses, emergency evacuation, and medically necessary repatriation. It also provides a 24-hour assistance hotline that can direct you to physicians abroad and other medical information.


    Why do I need travel insurance?

    Sometimes traveling - even for pleasure - can be a very stressful experience. Getting a travel insurance plan with the right benefits you need can be like a weight off your shoulders that allows you to help get the most enjoyment out of your trip. Plus, if covered issues do arise, the investments you made in your trip are protected. There are plenty of travel insurance benefits. To help determine if travel insurance may be right for your trip, read our Top 10 Reasons to Purchase Travel Insurance.

    Many things can happen during a long trip, so there are many ways your travels can suddenly cost you much more than anticipated. Without the right trip insurance plan, you may find yourself in serious financial or medical trouble while away from home. Travel insurance can give you the peace of mind you need to travel with confidence.


    What does travel insurance cover?

    Some basic coverages of travel insurance include:

    • Trip Cancellation
    • Trip Interruption
    • Missed Connection and Itinerary Change
    • Trip Delay
    • Loss of Baggage and Personal Effects
    • Baggage Delay
    • Accidental Death & Dismemberment (AD&D)
    • Hazardous Sports Coverage
    • Renters Collision

    Keep in mind that actual coverage and services will vary between travel insurance plans. Be sure to pick one that best suits your trip type and anticipated needs.


    Don't I already have travel insurance through my credit card company or medical insurance provider?

    A common misconception many travelers have is that their credit card company or medical insurance provider will fully protect them during their trip. However, this isn't always the case. While it's true that some credit card companies will provide some reimbursement for cancelled flights, the coverage could be limited and often doesn't cover trip interruption or other risks. Many standard medical plans limit coverage while abroad and do not cover medical evacuation.

    Before traveling, carefully review the trip insurance policies you have with other companies to determine if you will need additional travel insurance.


    Why Buy Travel Medical Insurance?

    RoamRight medical insurance differs from your standard medical insurance plan – such as one provided by your employer. Many medical insurance plans provide very limited or expensive coverage outside of their service areas – if at all. It’s also rare to have a primary medical insurance plan that will cover any portion of a medical evacuation.

    Because you can't foresee a potential medical emergency or issue that may arise during your trip, you should consider travel medical insurance. A travel medical insurance plan from RoamRight can cover sickness and emergency room expenses while abroad, dental expenses, emergency evacuation, and medically necessary repatriation. We also provide a 24-hour assistance hotline that can guide you on immunization/vaccination requirements if traveling internationally, where the nearest “appropriate” medical center or hospital is located (this circumvents visits to underequipped hospitals and avoids the pitfalls of errors from concierges), and the best way to get there, as well as other services. Please browse the available insurance plans to learn more.


    Why Buy Travel Insurance?

    There are many reasons people purchase travel insurance. Sometimes, the investment in the trip is worth protecting, or perhaps you just want to travel with the peace of mind travel insurance can provide. Many things can happen during a trip, so there are many ways your travels can suddenly cost you much more than anticipated. That’s why you need a travel insurance plan. Some common travel emergencies that can befall anyone with even the most benign travel plans include:

    • Needing medical assistance
    • Lost/stolen passport or money
    • Auto accident in a rental
    • Lost/damaged luggage
    • Lost non-refundable deposits due to trip cancellation or the bankruptcy of the travel organizer
    • A flight delay requires you to stay extra time in a hotel or miss part of your trip
    • Medical emergency

    One of the main benefits of travel insurance is the peace of mind that comes with knowing you'll be financially and medically covered in the event of a travel emergency. However, there are many more reasons you should consider a travel insurance plan. 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 travel medical insurance for single trips or annual plans, whether you’re traveling domestically or planning around-the-world travel. If you have any questions about selecting a travel insurance plan, visit our Frequently Asked Questions (FAQ)page, or contact RoamRight – we will be happy to assist you!

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    RoamRight’s travel insurance plans protect leisure, business, student, and group travelers with both domestic and international trips. RoamRight is a registered trade name and brand used by a unit of Arch Insurance Company, a provider of global travel insurance. Our staff and customer service representatives have the expertise to offer customers information about trip and medical insurance packages, travel planning, and coverage options.

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