Arch RoamRight

What Arch RoamRight is

Arch RoamRight is an insurer's own travel brand. The about page says "Arch RoamRight is a travel insurance brand of Arch Insurance Company offering travel insurance for domestic and international trips," and the disclosures page names the same company as the carrier: "Insurance coverages are underwritten by Arch Insurance Company, NAIC # 11150 under form series LTP 2013 and amendments thereto." The footer adds that the RoamRight mark is "owned by its parent company, Arch Capital Group (U.S.)," and the about page describes Arch Insurance as "a subsidiary of Arch Capital Group Ltd., a global provider of insurance, reinsurance, and mortgage insurance solutions."

So the brand on the website and the company on the policy belong to the same group. The site sells four plans to US residents: Pro, Pro Plus, On Trip Plus and an Annual Multi-Trip Plan. It says the brand has operated "Since 2012" and describes "in-house customer service and claims teams." The about page reports that Arch Insurance "holds strong ratings, including A+ (Superior) from AM Best and A+ from Standard & Poor's," a rating of the insurer as a whole rather than of any one plan.

The four plans

The plans page describes each plan by what it contains. It does not print a benefit table with dollar limits, and the benefits page says "Coverage, benefit limits, exclusions and eligibility vary by plan and policy."

Pro is the entry plan, pitched as "essential travel protection at a wallet-friendly rate." The page says it "works well for a wide range of trips, including cruises, short getaways and adventure travel" and that "It includes trip cancellation and interruption benefits, emergency medical coverage, medical evacuation, and protection for baggage and personal effects."

Pro Plus is called "our most popular plan." It keeps everything in Pro and adds two things a buyer would look for. One is "protection for trip cancellation related to work obligations." The other is "a waiver for pre-existing medical conditions when purchased within 21 days of your initial trip deposit." The page also says it "features complimentary coverage for kids under 18 when they are traveling with a family member."

On Trip Plus drops the cancellation side. The plans page says it is for "travelers planning last-minute trips that don't need trip cancellation benefits, but are looking for emergency medical coverage when traveling, especially important for international travel."

The Annual Multi-Trip Plan takes "the standout features from our single-trip plans" into yearly cover, with "unlimited trips (each up to 30 consecutive days) covered throughout the year." The policy documents page notes "The Multi-Trip plan is not available to residents of Oregon and New York." That page also lists a Global plan and states "The Global plan is not available to residents of the United States."

What the benefits cover

The benefits page lists what an Arch RoamRight plan may include, "Depending on the plan selected": "trip cancellation, trip interruption, trip delay, missed connections, emergency medical expenses, emergency medical evacuation, baggage and personal effects, accidental death and dismemberment, and 24/7 travel assistance." Its short benefit descriptions add detail. Cancellation reimburses "prepaid, non-refundable trip costs if you cancel for a covered reason." The medical benefit "Helps cover medical costs if you become ill or injured while traveling," and evacuation is "Transportation to the nearest appropriate medical facility in the event of a serious emergency." The same page lists cover for political or security threats abroad, for the transportation of remains, and for AD&D. It also says many plans take optional upgrades.

The site gives a full page to the difference between primary and excess medical cover. It explains that "Primary emergency medical coverage means the travel insurance plan will pay first, regardless of whether you have other insurance," while excess cover "pays after any other applicable insurance such as your employer's health plan, Medicare, or a retiree plan has processed the claim." Its worked example is a traveler who breaks an ankle abroad. Under primary cover RoamRight pays covered expenses first. Under excess cover the traveler "must first file with their primary health insurer." The page states that "Some Arch RoamRight plans offer primary emergency medical coverage" and that the quote process shows which basis each plan uses.

Exclusions and alerts

The site's coverage alert is specific. It says "The war in the Middle East is considered a known event as of February 28, 2026," that this "may affect the coverage available under your Arch RoamRight plan and could limit assistance services in the region," and that "Arch RoamRight plans do not cover losses that result directly or indirectly from war or acts of war." The alert goes on: "Please do not purchase this plan for coverage related to those events." Every page footer adds that "coverages may vary in certain states" and that the policy terms govern where the site and policy differ.

Who can buy it and how buying works

The disclosures page says "The insurance coverage or plans are available to residents of the United States." A quote needs "your destination, travel dates, and trip cost," after which plans can be compared and bought online. Plans are also sold through travel companies: they "are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions, Inc., a licensed travel insurance producer," which the page lists under "CA License #0I18111, TX License #1787195," and in New York and Hawaii plans "are solicited by licensed producers." The disclosures warn that a travel retailer "may not be licensed to sell insurance" and cannot answer technical questions about benefits or judge a buyer's existing cover. They also note that the plan "only applies during the covered trip" and may duplicate cover a buyer already holds.

The producer and the underwriter share one phone line, 1-844-872-4163. The policy documents page lists customer service hours of Monday to Friday, 8:30 AM to 5:00 PM ET, and organizes plan wordings by purchase date, with the current Pro and Pro Plus versions "For policies purchased on or after December 8, 2025." The about page lists "24/7 global assistance" for emergencies on the trip.

Who it suits

Arch RoamRight fits a US resident who wants the insurer and the brand to be the same group and who is content to read exact limits in the plan wording or quote, since the site does not print them. Pro Plus fits a family traveling with children under 18 or a buyer who wants a pre-existing condition waiver and can buy within 21 days of the first deposit. On Trip Plus fits a last-minute international trip where medical cover matters more than cancellation. The annual plan fits frequent travelers whose trips each stay within 30 days, outside Oregon and New York.