Annual, Multi-Trip Travel Insurance

A great product for frequent travelers, Arch’s annual travel insurance allows you to have coverage for multiple trips taken within a year.

Travel Insurance for Frequent Travelers

Available through our travel insurance brand Arch RoamRight, the Multi-Trip policy gives frequent travelers coverage for an unlimited number of trips per year. Where traditional travel insurance policies must be purchased for each individual trip, this policy allows a traveler to buy once and renew annually.

As an individual policy, Multi-Trip is a great cross-marketing opportunity for personal lines insurance customers and consultants.

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Coverage and Benefit Limits

This policy includes coverage for many benefits, including those outlined below.

All Coverages are Per Person	Maximum Limit	Description
Trip Cancellation	Up to 100% of Insured Trip Cost	Protects unused non-refundable prepaid payments or deposits for the travel arrangements you purchased for your trip, when you cancel your trip prior to departure for a covered unforeseen reason.*
Trip Interruption	Up to 100% of Insured Trip Cost	In the event the trip is cut short for a covered reason,* this benefit covers the unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus Additional Transportation Costs.
Trip Delay	$1,000, up to $200 per day, after a 12+ hour delay	Assists with additional travel expenses incurred during a 12+ hour delay of common carrier for a covered reasons.* This includes hotel, meals and local transportation.
Occupancy Upgrade	Up to 100% of Insured Trip Cost	Covers the additional costs incurred as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is canceled for a covered Unforeseen reason and You do not cancel Your Trip.
Missed Connection	$500, after a 3+ hour delay	Provides coverage if you missed your tour departure due to a delay of Common Carrier or weather condition.*
Baggage and Personal Effects Loss	$1,000 Per Article Limit is $250 Combined Article Limit is $500	Reimbursement for permanently lost, stolen, damaged or destroyed baggage or personal effects, including passports and visas.
Baggage Delay	$300, after a 24+ hour delay on the outward journey only	Covers expenses not otherwise covered by a common carrier, hotel or travel supplier for personal effects if checked baggage is delayed or misdirected.
Emergency Accident and Sickness Medical Expense	$25,000 $750 dental sublimit No deductible	Provides coverage for covered emergency medical expenses* such as an accidental injury or illness that strikes while on your trip. Serves as excess coverage to a traditional health plan.
Emergency Evacuation and Repatriation of Remains	$250,000	Offers protection in the event that emergency medical care is needed and an emergency evacuation to a better level of care – or home – is required. Also covers the costs associated with returning remains home in the event of a tragedy.
Accidental Death and Dismemberment	$25,000	Provides a percentage of maximum limit if a loss occurred as a result of an accidental injury during a trip.
Political & Security Evacuation	$100,000	Covers for all reasonable evacuation expenses incurred for Your transportation to the nearest safe haven, if You must leave Your Trip for a covered Political or Security Event.

^*Benefits are provided on an aggregate basis. The maximum limits are applied to the entire policy term of one year.

Policy Options and Cost

Trip Cost	Premium
$0 - $2,500	$192
$2,501 - $5,000	$320
$5,001 - $7,500	$447

Maximum age of traveler is 69. Trip duration is limited to 30 days. Annual per Trip Cost Maximum is $7,500. Coverage for medical evacuation and repatriation of remains is limited to one occurrence per policy term.

Emergency Travel Assistance Services

Each Multi-Trip policy comes with coverage for emergency travel assistance services. These 24/7 services are provided by Arch’s designated assistance provider and can be accessed from anywhere in the world.