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 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 ahead of each individual trip, this policy allows a traveler to buy ones 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.

1Benefits are provided on an aggregate basis. The maximum limits are applied to the entire policy term of one year

Policy Costs and Stipulations

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 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.

Travel Assistance
  • Replacement of Lost or Stolen Travel Documents
  • Emergency Travel Arrangements
  • Transfer of Funds
  • Legal Referrals
  • Language Services
  • Message Transmittals
Medical Assistance
  • Worldwide Medical and Dental Referrals
  • Monitoring of Treatment
  • Relay of Insurance and Medical Information
  • 24-Hour Health Information
  • Medication and Vaccine Transfers
  • Updates to Family, Employer, and Home Physicians
  • Replacement of Corrective Lenses and Medical Devices
Emergency Transportation Arrangements

For coverage, these services must be arranged by designated travel assistance provider.

  • Emergency Medical Evacuation
  • Medically Necessary Repatriation
  • Repatriation of Deceased Remains
  • Repatriation of Deceased Remains
  • Return of Dependent Children
  • Emergency Medical Reunion
  • Emergency Political or Security Evacuation