RoamRight Elite Travel Insurance - Review
RoamRight Travel Insurance is a partner of AARDY. We showcase the RoamRight Elite Travel Insurance Plan.
RoamRight’s travel insurance plans protect leisure, business, student, and group travelers with both domestic and international trips. RoamRight is a registered trade name and brand used by a unit of Arch Insurance Company, a provider of global travel insurance. RoamRight's staff and customer service representatives have the expertise to offer customers information about trip and medical insurance packages, travel planning, and coverage options.
Let’s take a look at the RoamRight Elite Travel Insurance plan.
RoamRight Elite Travel Insurance
The RoamRight Elite Travel Insurance plan is RoamRight’s most robust, with the richest benefits. With the RoamRight Elite Travel Insurance plan, you can rest assured knowing you’re protected with higher limits for evacuation and baggage protection, as well as coverage for Cancel For Work Reason if you buy within 21 days of making your initial trip deposit. If you buy within this time frame, you may also have the opportunity to add Cancel for Any Reason coverage to your plan.
The Elite plan from RoamRight is its most comprehensive package. It provides the highest levels of coverage in one convenient plan.
Special features of RoamRight’s Elite travel insurance include:
- One child (under age 18) for each paid adult can be covered under Elite travel insurance at no additional cost.
- Cancel for Work Reasons insurance (available if you purchase the plan within 21 days of making the initial trip deposit).
- AD&D (air common carrier only) coverage in addition to regular AD&D coverage.
- The Elite travel insurance plan has the highest claim limits when compared to other RoamRight travel insurance packages.
- If you purchase your plan within 21 days of the initial trip deposit and you insure the full non-refundable cost of your trip, you will be covered for pre-existing conditions, provided that you are not disabled from travel at the time you purchase your policy.
- An optional Cancel for Any Reason upgrade is available if purchased within 21 days of making the initial trip deposit. (Not available to New York residents.)
For the highest level of coverage and ultimate peace of mind while traveling, the Elite travel insurance package from RoamRight is the way to go.
Schedule of Coverage and Services
Benefits – Maximum Limit Per Person
Part A - Travel Protection
Trip Cancellation* Trip Cost**
Cancel for Work Reasons* Trip Cost**
Trip Interruption ($1,000 Return Air Only if $0 displayed for Trip Cancellation on Your Confirmation of Benefits.) 150% of Trip Cost**
Missed Connection and Itinerary Change (3 hours) $750
Trip Delay (6 hours) $1,500 ($200/day)
Part B - Medical Protection
Emergency Accident and Sickness Medical Expense $50,000
Dental Sublimit $750
Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains $1,000,000
Part C - Baggage Protection
Baggage and Personal Effects (including sporting equipment) $2,500
Per Article Limit $250
Combined Articles Limit $500
Baggage Delay (12 hours) $500
Part D - Travel Accident Protection
Accidental Death and Dismemberment $25,000
Accidental Death and Dismemberment Common Carrier (Air Only) $100,000
* Not applicable when $0 Trip Cost is displayed for Trip Cancellation on Your Confirmation of Benefits.
** Up to the lesser of the Trip Cost paid or the limit of Coverage on Your Confirmation of Benefits
RoamRight Coverage & Plan Details
What types of plans are available for trip insurance?
There are many travel or trip insurance plans that could meet your needs, depending on what your trip involves. RoamRight provides trip cancellation, trip interruption and/or travel medical insurance for single trips or annual plans, whether you’re traveling domestically or planning an around-the-world travel adventure. Before selecting a travel insurance plan, you will need to gather important details about your trip so you can accurately compare plans.
What is a pre-existing condition?
The official definition of a pre-existing condition is: Any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 180-day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription. In essence, a pre-existing condition exists when medical care or treatment has been required within the past six months. A pre-existing condition is controlled if no change in medication has been prescribed during the past six months. For example, high blood pressure may be considered a controlled pre-existing condition if the patient has not had a change in medication or its dosage within the past six months.
Can I get coverage if I have a pre-existing condition?
Yes. While most plans have exclusions for pre-existing conditions, this can be waived if the plan is purchased within 21 days of making the initial trip deposit. This is available for the following RoamRight plans: Elite, Preferred, Essential. So if you’re going on a trip, don’t procrastinate in purchasing your travel insurance!
What are covered reasons for trip cancellation and trip interruption?
The long, official answer to this question is below. In short, trip cancellation and trip interruption coverage includes the following:
- Sickness, injury and death of you, your travel companion, your destination host, or your family
- Jury duty, subpoenaed, etc.
- Destruction of primary residence
- Traffic accident while en route to your destination
- Terrorist attack in your destination
- Revocation of military leave
- Worker’s strike
- Weather events
- Bankruptcy of your travel supplier
- Being terminated or laid off from a job
- Natural disaster
- You discover you’re pregnant
- A family member is giving birth
- The school year is unexpectedly extended
Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion, which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
The death or hospitalization of Your Host at Destination.
If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
Strike that causes complete cessation of services for at least 24 consecutive hours.
Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records.
The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the predefined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.
Do I need Cancel for Any Reason coverage?
For most travelers, the standard trip cancellation benefits are sufficient. These benefits include medical conditions (exclusive of pre-existing conditions), an accident or death of you, your traveling companion or a family member, jury duty, and weather events. However, some people will have better peace of mind knowing that they can cancel for any reason and still receive up to 75% of their trip costs. “Any reason” literally means for any reason. If you simply decide not to go on that trip, you’ll be covered. The 75% benefit limit for Cancel for Any Reason coverage is an upgrade to RoamRight’s Elite and Preferred plans. To qualify for the upgrade, you must purchase your travel insurance within 21 days of making your initial trip deposit, and your decision to cancel your trip must be made more than 48 hours before your departure. Cancel for any reason coverage is not available to New York residents.
Do I need to insure my entire trip cost in order to have Cancel For Any Reason coverage?
Yes, you must insure the full nonrefundable cost of your trip in order to be eligible for the Cancel for Any Reason upgrade.
What are the covered reasons for cancellation under Cancel for Work Reasons?
Cancel for work reasons include coverage for:
- A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated.
- You or Your Traveling Companion are required to work during the scheduled Trip. You or Your Traveling Companion must demonstrate proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer.
- You or Your Traveling Companion’s company is directly involved in a merger or acquisition. You or Your Traveling Companion must be an active employee of the company that is merging and You or Your Traveling Companion must be directly involved in such an event.
- You or Your Traveling Companion’s company operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy or financial Default.
How does this work with my primary medical insurance?
RoamRight travel insurance serves as secondary insurance to your primary medical insurance. However, if necessary, RoamRight can act as your primary insurance. For example, if you are on an international trip and your primary medical insurance will not pay directly to a foreign medical provider, RoamRight can pay the foreign provider, preventing you from having to pay out of pocket. Your primary medical insurance will then reimburse us.
What is your definition of Family Member?
Family Member means You or Your Traveling Companion's legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew.
What are your covered reasons for weather-related cancellations?
Covered reasons for weather-related cancellations include:
- Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
- Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
- Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
- A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.
Do you cover pregnancy?
Normal pregnancy is covered as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records.
What are the activities covered by the Hazardous Sports Coverage?
Hazardous sports coverage includes the following:
- mountaineering where ropes or guides are normally used (15,000 feet limit)
- bungee jumping
- scuba diving involving underwater breathing apparatus
- jet skiing
- water skiing
- snow skiing
Please note that all RoamRight plans exclude coverage for hang gliding, extreme skiing, bodily contact sports, skydiving, any race or speed contest and professional participation in athletics.
Can I insure my Frequent Flier miles?
Yes, as long as you include the airline’s redeposit fees in your Trip Cost when you obtain your quote.
Does RoamRight cover medical tourism?
Travelers should note that travel medical insurance is not the same as “medical tourism insurance” – where a person leaves his/her home country to obtain medical treatment for a pre-existing elective or needed procedure. Rather, our travel medical insurance benefits focus on protecting you from unexpected medical emergencies domestically or worldwide during the course of travel.
As always, at AARDY we recommend that a traveler consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.
What many people do not know is that they won’t find the same trip insurance plans available at a better price – all down to price certainty anti-discriminatory law in the US.
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?
In short – a trip insurance quote for an insurance plan that you see from AARDY is the same price you would see from the insurance carrier direct – we are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get best value from us.