RoamRight

RoamRight is a relatively new travel insurance market entrant in terms of the brand name. They are owned by Arch Capital and underwritten by Arch Insurance Company, which is rated A+ (Superior) by A.M. Best. Arch Insurance Company has been in business since 2001.

Better Business Bureau (BBB) Rating:

Overview

RoamRight is a travel insurance company owned by Arch Capital, a large company with deep roots in the insurance industry.

Overall, the website is very easy to navigate and the trip insurance terms are explained fully in plain English. No need to open a legal dictionary to figure out the terms and conditions. There are numerous advantages to travel insurance offered through RoamRight.

1. Customizable

RoamRight offers three tiers of trip insurance plans and also allows customizable upgrades to meet unique needs for each individual trip. There are options for sports enthusiasts, business travel, and even missionaries or students abroad.

2. Competitive Pricing

It’s family friendly, too; all but the smallest travel insurance plan automatically includes one child per adult for no additional charge. Another pricing advantage is that RoamRight offers more than just three standard tier packages; there are six comprehensive package plans with three additional add-ons or standalone coverage for smaller policies. This allows for fully customized coverage without overpaying for coverages that are not needed.

3. Coverage Quality

The quality of coverage is excellent and RoamRight has the accredited stamp of approval from the Better Business Bureau. The website is secure for financial transactions, verified by GoDaddy.com, McAfee, and Authorize.net. Additionally, Arch Insurance Company underwrites RoamRight; they maintain a Superior (A+) financial rating by A.M. Best.

For customers unsure of what protection may be needed, RoamRight offers a comparison tool that allows users to see a side-by-side comparison of all packages. This offers a visual checklist of options that make it easy for the user to see what is included and not included with each package option.

The six major package plans available are Essential, Preferred, Elite, Adventure, Active, and Multi-trip. Additional plans include medical, multi-trip medical, and medical evacuation coverage.

The Essential plan is great for a frugal-minded vacationer who sees the value in trip protection but doesn’t want to pay for unneeded extras.

The Preferred and Elite plans are perfect for families who travel with children or require more medical and evacuation protection, baggage coverage, and want the convenience of “cancel for any reason” protection.

Sports enthusiasts will love the Active and Adventure package options. The more daring and adventurous the trip, the more value the Adventure package offers. There is nothing like para-sailing over tropical waters and snorkeling in coral reefs. However, if a stress-relieving golf trip is in the works, the Active plan may be perfect. It includes reimbursement for all those deposits and fees that are typically associated with golfing should the trip be cancelled: Lessons, equipment rentals, and green fees.

The only drawback that could be found was that pets were not included; yet, it s not uncommon in the industry.

The bottom line is that RoamRight offers convenient customization combined with competitive pricing to protect the simplest to the most complex travel plans. They are a good choice for those seeking both quality and value.