UPDATED: Jul 17, 2019
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RoamRight has been in business for 60 years and operates as the trade name of Arch Insurance Company. That company, in turn, is a subsidiary of Arch Group, a Bermuda-based international insurer. RoamRight’s U.S. headquarter is in Hunt Valley, MD. This all makes RoamRight one of the few travel insurance companies that does not rely on an outside company to underwrite its policies.
Package policies for both single and multiple trips are available with several levels of coverage, and there is also a standalone medical policy. Some plans are only offered through the company’s partner travel suppliers, but the other plans can be purchased directly online.
RoamRight has three levels of single-trip package policy available on the website, and two others that are only sold through partners. They also offer a multi-trip plan and a separate travel medical plan.
The three levels of single trip plans offered online each have increasing benefit levels.
Essential is the base plan. It covers the total trip cost for both cancellation and interruption in most cases (some limits apply) and it also has trip delay, missed connection, and baggage coverage. One child per covered adult can be added at no charge.
This plan also includes $15,000 in emergency medical coverage with a $50 deductible and $150,000 in medical evacuation coverage. Medical coverage can be increased on this plan by $25,000 at the time of purchase.
The Preferred plan is a step up, with increased trip interruption coverage of 150% and higher limits on the other trip protection benefits as well. It allows the addition of one child per paid adult at no extra charge.
This plan increases emergency medical to $50,000, and evacuation coverage to $500,000, and also adds accidental death & dismemberment (AD&D) coverage at $10,000. Cancel for Any Reason can be added to this plan for an extra charge, and medical coverage can be upgraded by $50,000.
Finally, the Elite plan is the most comprehensive and has the highest coverage limits for trip protection. This plan also covers one child per paid adult at no charge and includes cancellation for work reasons.
Elite does not increase the emergency medical over the Preferred plan, which is unusual, but does increase medical evacuation coverage to $1,000,000. AD&D is at $25,000, and this plan adds air AD&D at $100,000. This plan also offers the option to add Cancel for Any Reason coverage.
Other coverage upgrades offered are $50,000 in additional medical, sports coverage or hazardous sports coverage, and rental car coverage, options that appear only at checkout.
Pro Plans (Travel Supplier Only)
RoamRight’s two Pro level plans are only available through partner travel suppliers.
The basic Pro plan includes coverage similar to the Preferred option, but it adds a few benefits such as political and security evacuation coverage at $100,000.
The Pro Plus option has similar coverage levels, but bumps up the medical coverage to primary rather than excess.
RoamRight’s Multi-Trip plan covers multiple trips over the course of a year, with a maximum trip length of 30 days. Trip cancellation and interruption coverage are at trip cost, and the plan includes basic trip protection coverage such as delay and baggage.
There is $25,000 in aggregate medical coverage on this plan with $250,000 in medical evacuation that can only be used once per policy year. Political and natural disaster evacuation is also covered at $100,000.
Medical (Travel Health)
RoamRight offers travel health plans that provide comprehensive medical coverage during travel outside the U.S. Coverage limits range from $50,000 up to $500,000, and benefits include a variety of medical needs. The deductible for all coverage levels is $250.
These plans are medical focused, but they do include $5,000 in trip interruption coverage and $250 for baggage. AD&D is also included at $25,000.
We ran a quote using our usual sample of a 30-year-old California resident with a 7-day trip at a cost of $5,000.
RoamRight’s base plan, Essential, came back at $128. That is a little lower than the rates we have seen for similar coverage elsewhere.
The Preferred plan came in at $154, which is a relatively minor price increase for the amount of coverage the plan adds.
The Elite plan was quoted at $248. This is nearly double the cost of the Preferred plan, but coverage is not increased in most areas, particularly not commensurate with the increase in premium.
Of the three, the Preferred appears to offer the best value in single trip coverage. Each plan has upgrades available that will increase the premium.
We quoted the Multi-Trip plan as well, for the same traveler, and it came back at $320. This is definitely on the higher end for annual package plans.
Finally, we ran a quote for the Medical plan, which came back at $11.36. That’s about in line with other travel medical products, leaning towards the higher side.
Claims can be filed online when logged into the customer area of the site. Forms can also be printed, filled out, and returned by mail, email, or fax. The claims department can be reached by phone during business hours, Monday through Friday 9:00 a.m. to 5:00 p.m. Eastern time. Policyholders can call a 24-hour line for emergency assistance.
In addition to detailed information on how the claims process works, the RoamRight website also offers information on how to appeal a claim.
Ratings and Consumer Reviews
There is no direct Better Business Bureau (BBB) page for RoamRight, but there is one under the name of Arch Insurance Company. The file shows an A+ rating and a total of 12 customer complaints in the past three years. Four of those were closed in the past 12 months.
Yelp shows 14 reviews of a mixed nature, with an overall 2.5-star rating. As with most travel insurance companies, the negative reviews are in regards to denied claims. Other reviewers report no difficulty with claims processing.
Trust Pilot has an incredible 793 reviews of this company, more than we have seen for any other travel insurance company by a wide margin. The overall rating is four stars, with 74% of reviewers rating the services as “excellent”. There are some negative reviews, but the company appears to have addressed them appropriately. Several of them are the result of policyholder misunderstanding of what the policy covers, a common issue with this type of policy.
The Bottom Line
RoamRight has been around a long time and has a solid reputation. They do not offer the least expensive rates, but their plans are a good value particularly given the good reviews of the company. Those seeking customizable package plans from a company known for backing them with good service will find RoamRight a good choice.
For a list of companies that we recommend, visit our Best Insurance Companies page.