When planning a trip, most travelers focus on itineraries, bookings and bucket-list activities. But what happens when something unexpected disrupts those plans? That’s where travel insurance can make a difference. If you’re considering coverage, it’s important to understand what travel insurance covers — and how an Arch RoamRight policy is designed to help travelers navigate the unforeseen.
🧳 What Is Travel Insurance?
Travel insurance is a type of protection designed to assist travelers facing trip-related issues such as cancellations, delays, medical emergencies and lost or stolen baggage. While coverage can vary by provider and plan, Arch RoamRight offers a range of options to help you protect your travel investment.
📌 Common Travel Insurance Coverage Categories
Below are key coverages typically included in Arch RoamRight travel insurance plans:
- Trip Cancellation Insurance
If you need to cancel your trip before departure due to a covered reason — such as illness, injury, severe weather or other eligible events — trip cancellation coverage can reimburse your prepaid, unused non-refundable payments/deposits. This includes money spent on flights, hotel reservations and tour bookings.
- Trip Interruption Coverage
If your trip is interrupted after it has started (for example, due to an emergency at home or a medical issue), this coverage can help reimburse the unused portion of your trip and pay for additional transportation costs to return home or rejoin your itinerary.
- Emergency Medical Insurance
One of the most important components of travel insurance, emergency medical coverage helps pay for medical treatment if you become sick or injured while traveling. U.S. health insurance often does not provide coverage abroad, making this a critical part of international travel planning.
- Emergency Medical Evacuation
In cases where local medical facilities are not equipped to treat your condition, this benefit can arrange and pay (up to the coverage limits in your policy) for transportation to the nearest appropriate medical facility.
- Baggage Loss, Theft, or Damage
If your luggage is lost, stolen, or damaged while en route, travel insurance can provide reimbursement for the items, subject to policy terms and limits. This may include clothing, personal items and essential travel documents.
- Baggage Delay Coverage
When your luggage is delayed for a specified amount of time (typically 12+ hours), this benefit helps you purchase necessary items such as toiletries or clothing until your bags arrive.
- Travel Delay Benefits
If you’re delayed for a covered reason (such as bad weather or airline maintenance issues), Arch RoamRight plans can reimburse reasonable additional expenses like meals and overnight accommodations.
- 24/7 Travel Assistance
All Arch RoamRight plans include access to a 24/7 travel assistance team. This service can help you locate medical care, replace a lost passport or coordinate emergency travel arrangements.
🧠 What’s Not Typically Covered?
Understanding what’s not covered is just as important. Travel insurance does not usually cover:
- Changes in travel plans for personal reasons
- Known events or issues that existed before the policy was purchased
- High-risk activities unless an optional upgrade is added
Reading the full policy document is the best way to understand your coverage and exclusions.
📝 Choosing the Right Arch RoamRight Policy
Arch RoamRight offers multiple travel insurance plans designed to meet different travel needs — whether you’re going on a cruise, a business trip or a family vacation. Our easy-to-use quote tool allows you to compare options and view pricing without entering personal details upfront.
🔍 Final Thoughts: Travel Insurance That Helps You Travel Smarter
Travel insurance won’t prevent disruptions, but it can provide support when you need it most. With Arch RoamRight, you gain access to experienced claims support, travel assistance and plan options built for today’s travelers.
Ready to explore your options?
Get a travel insurance quote with Arch RoamRight today.