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Roam Right Review

Wednesday, October 20th

2021 Travel Insurance Plan Reviews

Roam Right Review 4.5 Star Rating

Roam Right

4.5 Star Rating

For almost 50 years, Arch Insurance has been a trusted business, as evidenced by an A+ rating as an accredited business with the BBB. They offer many levels of travel insurance under their brand name of RoamRight: everything from just the basic coverage for domestic travels through multi-trip policies that protect the most avid globetrotters.

5 different travel policy types

Take a look at their list of products on the Travel Insurance Info tab. There, you can see an overview of each of their policy types, to determine what kind you need for your travels. In a nutshell, RoamRight's policies are:

  • Essential: Trip Cancellation, Trip Interruption, Missed Connection/Itinerary Change, Trip Delay, Emergency Accident/Sickness/Medical Expense, Emergency Evacuation/Repatriation, Political Evacuation, Baggage and Personal Effects, Baggage Delay Coverage
  • Preferred: includes the same coverage as the Essential, plus Accidental Death/Dismemberment and several optional upgrades
  • Elite: all of the benefits of Essential and Preferred, plus optional Sports/Hazardous Sports Coverage, Cancel for Work Reasons
  • Multi-trip: pay one fee and cover a year's worth of travel
  • Medical: covers primarily health-related travel issues. No coverage for Trip Cancellation, Missed Connection/Itinerary Change, Trip Delay, or Baggage Delay
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Hazardous Sports Upgrade available

If you've purchased plans from RoamRight in the past, you may notice that they no longer offer two types of plans that were previously included: Adventure and Active. As of the date of our review, most activities were covered under all of their travel insurance plans (for example, biking, hunting, hot air ballooning, sailing, kayaking, and several others). You may need to purchase the Hazardous Sports Upgrade - available with the Elite, Medical, and Multi-Trip Medical plans - if you plan on more dangerous adventures like skydiving, bungee jumping, or caving.

Getting a quote

The easiest way to start your travel insurance policy with RoamRight is by getting a quote. On the main page, you'll be asked to select your state of residence, what type of coverage you need, your departure/return dates, trip cost per person or per trip, the date your deposit was paid, and the dates of birth of all covered travelers.

One limitation of RoamRight is that they only provide policies that are underwritten by their parent company, Arch Insurance. That does make it so that you don't get as many possibilities to choose from. For example, when we got quotes from other sites, we were offered multiple levels of coverage; for some reason, RoamRight only offered us their Preferred plan with no options for changes or upgrades. Their pricing on that plan was competitive with other companies.

Excellent customer service

However, RoamRight earns high marks for their attention to customer service. Customers have been extremely impressed with fast payments on claims, sometimes within just a few days of submitting the documentation. And, with a history spanning nearly a half-century - with A+ ratings from the BBB as well as A.M. Best - Arch Insurance has proven that they have what it takes to succeed within the world of travel insurance.

If you're looking for travel insurance, you should feel very comfortable getting a policy from RoamRight. With a solid history, competivie pricing, and superior customer service, RoamRight is a strong choice for your travel insurance needs.

Who Has the Best Travel Insurance?

The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!

When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the added expense for the protection it provides.

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Travel Insurance Plan FAQ

Travel insurance is exactly what it sounds like: coverage for unexpected events before or during a trip. If you've been working and saving for your dream vacation, you want the peace of mind that comes from knowing that you won't lose it all if something happens and you have to cancel or come home early. Travel insurance is the way to go!
Your coverage will always depend on the plan and insurer you select. Typical benefits include trip cancellation or interruption, emergency medical transportation, issues with lost/stolen/delayed baggage, emergency medical/dental coverage, and a 24-hour assistance hotline.
Read all of the fine print of any travel insurance policy you're considering, and you'll quickly see that the coverage is not comprehensive. For example, your policy won't cover anything booked after the start of a "known event" (like a pandemic or natural disaster). You'll also need a rider if you plan on participating in "risky activities and sports" like bungee jumping, skydiving, and so on.
It's surprisingly affordable - and a smart way to make sure that you don't lose your vacation money if you have to cancel a trip or come home sooner than expected! The amount you'll pay depends on the travelers' ages, the total cost of the trip, and how much coverage you want.
That's up to you, but can you afford to lose money if something goes wrong before or during your trip? There are always risks involved with traveling, from stolen luggage to having to cancel because your partner or child gets sick, and having a good travel insurance policy is an affordable way to mitigate those risks.
You'll often get offers for coverage at the time you book your flight/hotel/rental car, but they're not always your best option. You might get better coverage for less money by getting a quote online from an insurance referral service or directly from a travel insurance provider. The process is quick and easy: you should have policy documents in your inbox within minutes of finalizing your application and paying the premium.
Yes, but you'll have to take a few extra steps (and probably pay a few extra dollars!). You'll need a plan that has a Pre-Existing Medical Condition Exclusion Waiver, for starters. Other requirements vary by insurer, but it's common to see policies where you have to be medically able to travel on the date you purchased coverage, as well as needing to buy your travel insurance within two weeks of making your first deposit or payment.
Absolutely! Millions of travelers get their coverage online every year. Just be sure to check the reputation of any insurer you're considering, and read the plan details carefully so that you get the benefits you need.
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Continued from above...

Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.

There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!

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