• Plans Offered
  • Pricing
  • Customer Service
  • Claims


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:



1) Click here to get a travel insurance quote from RoamRight

2) Click here to compare quotes from multiple travel insurance companies



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.


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

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.

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, McAfee, and 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 Plans

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 (optional upgrade).

Sports enthusiasts will love the Active and Adventure package options (but please note these two plans were retired in November 2017). 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.


  1. We have been using RoamRight for a while now, and never had a claim. Well, this year we had a plane cancelled on us at 5am the day we were to leave. We jumped in the car and drove 170 miles to catch a connecting flight. We made it (barely) and saved the trip. When we called RR to see if we were eligible for any reimbursement they had us send in many claim forms, cancelled checks etc. After over a month of this, and sending all they wanted,they advised us we were not eligible for anything. We had asked for $18 for gas spent getting to our connecting flight. They wanted a gas receipt! What I would like to know is why they couldn’t tell us before having us jump through all these hoops. Will never use this company again.

  2. I filed a medical claim and got payment via check within 2 weeks. Stand up provider. You just have to make sure to keep your medical receipts and documentation from your trip or you’ll have a tough time with claims.

  3. This is the worst company ever! They refuse to pay our claim and refuse to tell us why. Do not do business with them. Our claim was filed in October, and we are still waiting for a response to our appeal. These guys are huge thieves!!!

  4. I chose Roam Right because of its great prices. I did have a claim and the company was fantastic! It was clear what they needed to file a claim, they kept me updated and the claim was settled within 3 weeks. I couldn’t believe it! I highly recommend this travel insurance company and will use it every time I travel.

  5. A travel insurance can only be rated completely when there is a claim involved. My husband was hospitalized in Germany this spring and when I called RoamRight about the emergency, the staff was very caring and helpful, even making a nurse available to talk to me. The claim for medical expenses was an easy process and I had a check in hand after one month for the full amount claimed. RoamRight will be the insurer for all our future travels.

  6. We purchased the RoamRight Elite policy for our trip to Mexico. We had a medical issue while traveling and filed a claim. Although we had to submit the appropriate documentation, which I had to track down, the claim was paid in a timely manner. I will choose your company again when we travel over the holidays.

  7. Overall, I was pleased with the experience. The coverage levels were good and the pricing was reasonable. I had to make a small claim and it was swiftly paid.

  8. great experience overall

  9. Overall good experience

  10. Prior to leaving for our vacation, my wife purchased a plan from Roam Right that offered free insurance coverage for our kids who were traveling with us. In theory, it was a good deal in terms of coverage for the money and percentage of our travel costs. Since we did not need to submit a claim for the insurance, I am happy but am going to give 4 stars for now.

  11. Overall, we were happy campers!

  12. We bought a plan from Roam Right directly from their site. At first, the amount of options was a little overwhelming but purchased one that seemed reasonable in terms of price. I can’t really comment on the claims or customer service as our trip went off without a hitch. That is the reason I only gave them four stars.

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