Single Trip Travel Insurance

What is Single Trip Travel Insurance?

Single trip travel insurance provides coverage for a distinct trip with a defined departure and return date. A single trip insurance plan is ideal for those who are planning to take one or two trips per year.

With Arch RoamRight, the Pro and Pro Plus plans provide coverage for single trips.

What is Covered with Single Trip Travel Insurance?

There are a number of coverages available with a single trip travel insurance plan, and they are important to know as you compare plans.

The benefits and features outlined below vary from plan to plan. You can click on each listing for a more detailed description of each travel insurance feature, including exclusions and limits. Before you purchase a travel insurance plan, you should also review the plan details.

• Trip Cancellation: If you can’t go on your trip due to an unexpected reason
• Trip Interruption: If you’re already on your trip and need to return home for an unexpected reason
• Emergency Accident & Sickness Medical Expense: For medical emergencies that may occur when traveling
• Emergency Dental Expense: For dental emergencies that may occur when traveling
• Medical Evacuation: In an emergency, provides transportation to a medical facility that can provide appropriate care
• Security Evacuation: Assistance in the event of natural disaster, civil uprising, military coup, or political unrest
• Baggage & Personal Effects Coverage: If your baggage is lost, stolen, damaged, or delayed
• Accidental Death & Dismemberment: Coverage in the event of death or loss of limb and/or sight; available in both regular AD&D coverage as well as Common Carrier Air Only Coverage
• Repatriation of Remains: If a tragedy occurs, covers the return of your remains to your home
• Sports Coverage: Coverage for a number of specific activities such as parachuting or SCUBA diving
• Flight Insurance: Covers any number of incidents that may happen when traveling by air
  
• Collision Damage Waiver: Coverage for renting a vehicle
• Cancel for Work Reasons: If you need to cancel your trip in order to meet certain requirements placed upon you by your place of employment.

Are There Trip Length Maximums with Single Trip Travel Insurance?

Under the Arch RoamRight  Pro and Pro Plus single trip insurance plans, trips cannot exceed 180 days in length. A trip is defined as the date you depart your primary residence until the day you return or reach your permanent final destination.

For example, if you plan to leave your primary residence in Florida and visit France for 30 days followed by Greece for another 30 days before returning home, that is one trip with a total length of 60 days (not two trips that are 30 days each).

Can You Get a Pre-Existing Conditions Exclusion waiver with Single Trip Travel Insurance?

The Pre-Existing Conditions Exclusion waiver is available with the Arch RoamRight  Pro and Pro Plus plans single trip travel insurance plans.

Existence of a Pre-Existing Condition generally excludes or prevents coverage for the specified circumstances under a policy. This applies to medical conditions affecting the insured, their traveling companion (insured or uninsured), or either of their family members. A Pre-Existing Conditions Exclusion waiver removes the application of that exclusion to prevent coverage. Please note that the Pre-Existing Condition Exclusion Waiver is not available with all Arch RoamRight plans.

For policies that do offer a Pre-Existing Condition waiver, you must meet all the following conditions:

1. Purchase your travel insurance plan within 21 days of making your first trip payment;
2. Insure the entire non-refundable cost of your trip;
3. Must not be disabled† from travel at the time your premium is paid; and
4. This must be the first and only booking for this same time period and destination.

^†For definitions, please refer to the travel insurance policy.

If you have any questions about single trip travel insurance coverage, please contact RoamRight today. We are pleased to answer your questions.