Arch RoamRight Review: Is It Worth the Cost?

Although many credit cards offer travel insurance as part of their benefits, coverage limits vary, so you may want to look at standalone travel insurance plans too.

There are a lot of options to choose from, in terms of both insurance providers and cost. If you’re considering Arch RoamRight travel insurance to insure your next trip, let’s take a look at the coverage it provides and how much its plans cost.

Arch Insurance Group has provided underwriting services for many travel insurance companies since 2002.

In 2012, Arch Insurance launched its own Maryland-based travel insurance company called Arch RoamRight and started providing coverage for U.S. citizens and permanent residents.

» Learn more: What to know before buying travel insurance

Arch RoamRight travel insurance offers two types of comprehensive plans: Pro and Pro Plus. Here’s what you can expect to be covered by each plan.

Pro Plan

This more affordable policy covers:

• 100% trip cancellation (with a limit of $15,000).

• 100% trip interruption or delayed arrival.

• Itinerary change or return flight costs.

• Trip delay or missed connection costs.

• Emergency accident and sickness medical expenses.

• Emergency evacuation and repatriation of remains.

• Political and security evacuation.

• Baggage loss or delay expenses.

• Complimentary coverage for one child 17 or younger, with a covered adult.

• Pre-existing medical conditions (if certain conditions are met).

• Worldwide travel assistance.

Pro Plus Plan

The premium policy includes everything you’ll find on a Pro plan plus:

• 150% trip interruption coverage.

• Cancel for work reason coverage.

• Accidental death and dismemberment coverage.

• Optional Platinum upgrade, which will increase some coverage limits, including medical, medevac and trip delay.

» Learn more: The best travel insurance companies

Let’s compare the Arch RoamRight travel protection plans, costs and coverage inclusions for a 10-day trip to Spain that costs $2,000 for a 36-year-old resident of Utah.

Pro plan coverage

Coverage and limits for the Pro plan from Arch RoamRight include:

• Trip delay: $150 per day, with a $600 maximum.

• Trip cancellation: 100% of the trip cost, with a $15,000 limit.

• Trip interruption: 100% of the trip cost.

• Baggage delay: $300.

• Lost baggage: $250 per article, combined limit of $500 for valuables, $750 total limit.

• Missed connection: $250.

• Emergency evacuation: $250,000.

• Political and security evacuation: $50,000.

• Emergency accident and sickness medical expense: $25,000, with a $750 maximum for dental.

• Pre-existing medical conditions waiver: Plan must be purchased within 14 days of your initial trip payment.

• Return flight cost: $500 (in case of a Level 4 travel advisory).

The plan cost for our sample trip is $107.

Pro Plus coverage

Coverage and limits for the Pro Plus plan from Arch RoamRight include:

• Trip delay: $200 per day, with a $1,000 maximum.

• Trip cancellation: 100% of the trip cost, with no limits.

• Trip interruption: 150% of the trip cost.

• Baggage delay: $400.

• Lost baggage: $250 per article, combined limit of $600 for valuables, $1,500 total limit.

• Missed connection: $750.

• Emergency evacuation: $500,000.

• Political and security evacuation: $100,000.

• Emergency accident and sickness medical expense: $50,000, with a $750 maximum for dental.

• Accidental death and dismemberment: $10,000 or $25,000 on an aircraft.

• Pre-existing medical conditions waiver: Plan must be purchased within 21 days of your initial trip payment.

• Cancel for work reason: 100% of the trip cost, plan must be purchased within 21 days of your initial trip payment.

• Return flight cost: $750 (in case of a Level 4 travel advisory).

This level of coverage will set you back $121.

Both plans offer the option to add on the following types of coverage:

• Rental car damage.

• Sports and hazardous sports.

• Baggage, sports and business equipment.

Arch RoamRight travel insurance can be particularly helpful for families traveling together. This is because one child (17 years old or younger) can receive the same coverage as a covered adult — at no extra charge — on either plan.

So, a family of two adults and two kids could pay for a plan covering two adult travelers, and both kids’ coverage will also be included for free.

» Learn more: When to buy annual or multi-trip travel insurance

Getting a quote from Arch RoamRight for your next trip is no different than getting one from any other company.

Simply go to RoamRight and fill out the form, which includes information regarding your state of residency, the type of coverage you want (general travel, annual or medical), travel dates, trip cost, trip deposit date and travelers’ dates of birth.

Once the form is complete, click on “See available packages” and take a look at the quotes. Keep in mind that you must purchase a plan at least one day before departure — you can’t purchase a plan after you’ve started your trip.

» Learn more: Common travel insurance myths

Yes, Arch RoamRight is a legitimate travel insurance company that maintains an A+ Better Business Bureau rating.

Of those who reviewed Arch RoamRight on InsureMyTrip, a marketplace that helps travelers find the right coverage for their trips, 96% recommend Arch insurance travel protection to other travelers.

Purchasing travel insurance is a smart way to protect the investment you’ve made in your travel plans, especially if you’re taking a once-in-a-lifetime vacation or if many expenses associated with the trip are nonrefundable.

Arch RoamRight offers travelers two plans to choose from with the option to add on a few extras.

The company’s stellar BBB rating makes it an attractive option among travel insurance providers. It’s also a great choice for families looking to save a few bucks and still be protected in case of the unexpected.