Arch RoamRight Review: Is It Worth the Cost?

With affordable rates and glowing reviews, Arch RoamRight is as good a choice as any for travel insurance.

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Published · 3 min read
Profile photo of Anya Kartashova
Written by Anya Kartashova
Profile photo of Meg Lee
Edited by Meg Lee
Assigning Editor
Fact Checked
insurance-product-card-logo

Arch RoamRight

4.5

NerdWallet rating 
Its annual multi-trip plan is a good value for those who travel often.
Compare Rates
at Squaremouth

Pros

  • Complimentary coverage for one child.
  • Stellar BBB rating.
  • Medical-only and multi-trip coverage offerings.

Cons

  • Only two main policy options.
  • No Cancel For Any Reason option.
  • Website isn't user friendly.
insurance-product-card-logo
Compare Rates
at Squaremouth

Arch RoamRight

4.5

NerdWallet rating 
Its annual multi-trip plan is a good value for those who travel often.

Pros

  • Complimentary coverage for one child.
  • Stellar BBB rating.
  • Medical-only and multi-trip coverage offerings.

Cons

  • Only two main policy options.
  • No Cancel For Any Reason option.
  • Website isn't user friendly.

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.

What is Arch RoamRight?

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.

Arch RoamRight plans

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:

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.

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

What does Arch RoamRight cover?

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:

  • Sports and hazardous sports.

  • Baggage, sports and business equipment.

🤓Nerdy Tip

Arch RoamRight also offers medical-only coverage and multi-trip coverage for longer-term trips up to 365 days.

Family travel considerations

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.

How to get a quote from Arch RoamRight

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.

Is Arch RoamRight legit?

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.

Is Arch RoamRight travel insurance worth it?

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.


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 2024:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000 Points + $300 Travel Credit

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

50,000

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Points
See more cards
MORE LIKE THISTravel
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.