at Squaremouth
Arch RoamRight
Its annual multi-trip plan is a good value for those who travel often.
at Squaremouth
Pros
- Highly recommended on Squaremouth and TrustPilot.
- Pre-existing conditions exclusion waiver available on both plans.
- Offers an emergency medical coverage plan for last-minute travelers.
Cons
- Only two main policy options.
- No Cancel For Any Reason option.
Looking for travel insurance?
Arch RoamRight has comprehensive travel insurance plans for single trips as well as for annual travel and group vacations.
The company offers four plans with a variety of benefits and upgrades. Let’s take a look at the coverage Arch RoamRight provides and how much it costs.
On this page
- How to maximize your rewards
- Arch RoamRight travel insurance offerings
- What Arch RoamRight travel insurance covers
- Arch RoamRight detailed policy overview
- What Arch RoamRight plans do not cover
- How much is Arch RoamRight travel insurance?
- Which Arch RoamRight plan is best for me?
- Does Arch RoamRight offer 24/7 travel assistance?
- How to file a claim with Arch RoamRight travel insurance
- Is Arch RoamRight travel insurance worth it?
Arch RoamRight travel insurance offerings
Arch RoamRight is a division of Arch Insurance Company, which has an A+ rating. The company has resources worldwide for its clients.
Arch RoamRight offers three plans for individual trips as well as an annual plan.
- Pro plan: This base-level plan covers a variety of trips and includes coverage for trip cancellation and interruption, emergency medical coverage, medical evacuation, baggage protection and more. Coverage for pre-existing conditions is available if the plan is purchased within 14 days of the initial deposit for the trip.
- Pro Plus plan: Arch RoamRight’s most popular plan covers everything the Pro plan covers and more. Cancellation reasons include work obligations, and the pre-existing condition time period is within 21 days of initial trip deposit. Kids younger than 18 are also included in the plan when traveling with the covered family member.
- On Trip Plus plan: This plan does not include cancellation benefits but does cover emergency medical and evacuation coverage as well as trip delay and baggage protection.
- Annual/Multi-Trip plan: Unlimited trips up to 30 days each are covered by this plan, which includes many features of the other single-trip plans.
Upgrades are available to cover adventure sports and equipment rental, rental cars and additional baggage benefits. None of Arch RoamRight’s policies offer Cancel For Any Reason (CFAR) coverage.
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What Arch RoamRight travel insurance covers
Arch RoamRight travel insurance policies offer comprehensive coverage for many types of trips.
Policies cover:
- Trip cancellation: Reimbursement for prepaid and nonrefundable trip costs if you cancel your trip for a covered reason.
- Trip interruption: Payment for unused parts of your trip if a covered reason forces you to cut your trip short or delay your trip. It can also pay for extra expenses if you need to return home or rejoin your trip.
- Trip delay or missed connection: Payment for extra expenses like meals and hotel stays if you are delayed or miss a connection.
- Itinerary change: If your travel provider makes an itinerary change and you cannot participate in a scheduled prepaid activity.
- Baggage and personal effects: Coverage if you lose something or it is stolen during your trip.
- Emergency medical: Covers medical costs as a primary policy if you are sick or injured while traveling. It will also cover transportation to the nearest appropriate medical facility in an emergency.
- Security evacuation: Coverage if something like political unrest or a natural disaster threatens your safety and you need to evacuate.
Arch RoamRight also covers repatriation of remains and accidental death and dismemberment in some plans.
The company also provides emergency assistance around the clock.
Arch RoamRight detailed policy overview
The insurance options can differ based on the state you live in and where you are going on your trip.
We searched for plans to cover a trip for a 45-year-old man from Illinois who is planning a $2,000 trip to Mexico October 1-7, 2026.
Since this is a planned trip and not a last-minute one, the Pro and Pro Plus plans are available and not the On Trip Plus plan.
Both plans had trip cancellation, trip interruption, trip delay and missed connection coverage, but the limits of the coverage were different. The Pro plan had lower limits for all coverages. The Pro Plus plan included coverage for cancellation for work reasons, while the Pro plan did not.
Both plans also included emergency medical, medical evacuation, political and security evacuation, as well as baggage delay or loss coverage.
Only the Pro Plus plan included accidental death and dismemberment coverage as well as coverage for one child younger than 18.
Coverage for pre-existing conditions was also available, but the purchase-by date requirement was different.
Optional coverage for rental cars and sports baggage was also available for both plans.
| Coverage limits | |
|---|---|
| Trip cancellation | Pro plan: Up to trip cost, maximum $15,000. Pro Plus plan: Up to trip cost, maximum $25,000. Also includes cancel for work reason coverage if the plan is purchased within 21 days of initial trip payment. |
| Trip interruption and delayed arrival | Pro plan: Up to 100% of trip cost. Pro Plus plan: Up to 150% of trip cost. |
| Trip delay | Pro plan: $1,000 total maximum at $250 a day after a 6+ hour delay. Pro Plus plan: $2,000 total maximum at $300 a day after a 6+ hour delay. |
| Missed connection | Pro plan: $500 after a 3+ hour delay. Pro Plus plan: $1,000 after a 3+ hour delay. |
| Emergency medical expense | Pro plan: Primary coverage up to $25,000 max for medical and $750 max for dental. Pro Plus plan: Primary coverage up to $100,000 max for medical and $750 max for dental. |
| Emergency medical evacuation | Pro plan: $500,000. Pro Plus plan: $1 million. |
| Political and security evacuation | Pro plan: $50,000. Pro Plus plan: $100,000. |
| Lost or stolen bags or personal items | Pro plan: $1,000 total limit up to $300 per article and a combined limit of $600 for valuables. Pro Plus plan: $2,000 total limit up to $500 per article with a combined limit of $1,000 for valuables. |
| Baggage delay (outbound journey only) | Pro plan: $300 after 12+ hour delay. Pro Plus plan: $400 after 12+ hour delay. |
| Coverage for pre-existing conditions | Pro plan: Must be purchased within 14 days after trip deposit. Pro Plus plan: Must be purchased within 21 days after trip deposit. |
| Cancel For Any Reason (CFAR) | Not available for either policy. |
What Arch RoamRight plans do not cover
Arch RoamRight travel insurance plans list many covered reasons that will allow you to cancel or delay your trip. There are many things plans do not cover, including:
- Acts of war.
- Anything that happens while intoxicated or under the influence of a controlled substance unless prescribed by a physician.
- Normal pregnancy and/or resulting childbirth.
- Any loss that happens during a trip that is for the purpose of securing medical treatment.
- Any loss, condition or event that was known, foreseeable, anticipated, intended, expected or occurring when you bought your policy.
- Some extreme sports, including bungee jumping and mountaineering, unless additional coverage is purchased.
For more exclusions, consult the benefit details of the plan.
If there is something you don’t like, you can cancel your Arch RoamRight policy within 14 days of purchase for a full refund, as long as you haven’t started your trip or filed a claim.
How much is Arch RoamRight travel insurance?
When we looked at Arch RoamRight plans to cover a trip for a 45-year-old man from Illinois planning a $2,000 trip to Mexico October 1-7, 2026, there were two options available.
The Pro plan was $103, and the Pro Plus plan was $121.
Optional rental car coverage was an additional $63 for both plans. The upgrade for sports coverage to cover things like missed pre-paid green fees or extreme sports that are otherwise excluded is an additional $30 for both policies.
For $25 per policy, you can add optional baggage coverage that decreases the delay time to six hours and includes coverage for business and sports equipment.
The cost of the Arch RoamRight basic plan at $103 is on the higher side compared with more than two dozen other basic plans without add-ons. Tin Leg’s basic plan is $65, AXA’s is $73, and IMG’s is $75.
» Learn more: The best travel credit cards right now
Which Arch RoamRight plan is best for me?
The main differences between the Arch RoamRight Pro and Pro Plus plans are the coverage amounts, with the ProPlus plan having higher limits for many things.
The cancellation coverage max is higher with the Pro Plus plan and includes canceling for work reasons. That means if your boss requires you to work during a time you had planned a vacation, you might be covered. This coverage applies only if you are someone’s full-time employee, so if you own your business or are self-employed, you’re out of luck.
The big coverage differences appear for the medical parts, including emergency accident and sickness coverage as well as emergency medical evacuation. The coverage is only $25,000 for the Pro plan and four times more at $100,000 for the Pro Plus plan for sickness and accident coverage. The Pro Plus plan also has double the medical evacuation coverage. This could make a big difference if you’re older, traveling to a remote destination or have a covered pre-existing condition.
Also, if more than 14 but fewer than 21 days have passed since you made your initial trip deposit and you want coverage for pre-existing conditions, your only choice is the Pro Plus plan.
If you’re traveling with a child under 18, the Pro Plus plan would include coverage for them at no additional cost.
Does Arch RoamRight offer 24/7 travel assistance?
Yes, Arch RoamRight offers 24/7 travel assistance with any policy. You can get help before or during your trip.
Multilingual staff is available to help travelers deal with things like required vaccinations, referral to doctors, telehealth services, lost documents and evacuation needs.
The confirmation of benefits document you receive after buying a plan will have the phone number to call.
How to file a claim with Arch RoamRight travel insurance
Arch RoamRight says it has a straightforward and supportive claims process.
There are four steps.
The first is to gather documentation you will need, such as your policy number, receipts for expenses you are claiming, your travel itinerary and documentation of your travel plans and reports of any medical or other incidents.
You can fill out a form and submit your claim online through a secure claims portal. If you don’t want to do that, you can request a PDF claim form and submit that and supporting documentation via email or regular mail.
Once the company receives it, someone will review your claim and ask for any additional information.
During the process, you can monitor the progress through the claims portal or check your email for progress reports.
Is Arch RoamRight travel insurance worth it?
Arch RoamRight travel insurance plans have coverage that is similar to that of competitors. It can cover pre-existing conditions as long as you buy it within a set timeframe.
You can also buy a plan at the last minute, which provides important medical coverage you might need.
Annual policies are also available if you take more than one trip a year.
Before shopping for a policy, check if you already have coverage on a premium credit card, since some include travel insurance. If you have one of these credit cards and the coverage limits are enough for you, you may need only a standalone emergency medical insurance policy.
But if your credit card doesn’t cover you enough, a comprehensive travel insurance plan might be the right choice.
Frequently Asked Questions
Do Arch RoamRight plans include bankruptcy coverage?
Yes, Arch RoamRight travel insurance plans include bankruptcy or default of an airline, cruise line or tour operator as a covered reason for trip cancellation or interruption.
Is medical coverage primary or secondary?
The medical coverage for emergency accident or sickness is primary.
What happens if my luggage is delayed?
If your luggage is delayed beyond a set period of time as described in your plan, you might receive reimbursement for items you need to buy.
What is security or political evacuation coverage?
Security or political evacuation coverage can help you if you are traveling and something happens like civil disorder or a natural disaster and you need to get out of the area.
The coverage can help you coordinate transportation to somewhere safe or home.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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