Even the most carefully planned trip can hit unexpected snags — a missed connection, a delayed bag, or a storm that grounds flights for hours. These are some of the most common issues travelers face. Fortunately, travel insurance can offer support in those moments, depending on the specifics of your policy.

Here’s how Arch RoamRight travel insurance addresses these everyday disruptions — and what travelers should know about what’s covered (and what isn’t).

🧳 Baggage Loss, Theft or Damage

What’s Covered:
If your checked baggage is permanently lost, stolen, or damaged by a common carrier, your Arch RoamRight policy may reimburse you for the value of the items, up to the policy’s benefit limits. Covered items can include clothing, electronics, and other personal belongings, but reimbursement is typically based on actual cash value (not the original purchase price).

What’s Not Covered:

• Items lost due to unattended baggage
• Certain high-value items, such as jewelry or professional equipment, may be subject to combined limits or exclusions
• Losses not reported promptly to the carrier or local authorities

Tip: Keep receipts when possible and file a report with the airline or relevant authority immediately.

⏰ Baggage Delay

What’s Covered:
If your luggage is delayed for a certain number of hours (typically 12 to 24), Arch RoamRight travel insurance can reimburse you for essential purchases — like clothing, toiletries, and other necessary items — until your bag arrives.

What’s Not Covered:

• Delays shorter than the required wait time outlined in your plan
• Non-essential purchases or luxury items
• Items bought after baggage is returned

Tip: Save all receipts for anything you buy while your baggage is delayed. These are required for reimbursement.

✈️ Travel Delays

What’s Covered:
Travel delay benefits reimburse additional expenses you incur due to a covered delay — such as meals, transportation, or hotel stays. To qualify, the delay must exceed a minimum number of hours (as indicated in your policy) and be caused by a covered reason (e.g., inclement weather, mechanical issues, airline strikes).

What’s Not Covered:

• Minor delays under the minimum hour threshold
• Delays not caused by a covered reason
• Missed tours or excursions that aren’t part of your non-refundable trip costs

Tip: Be sure to keep records of expenses incurred and proof of delay (such as a written statement from your airline).

🔄 Missed Connections

What’s Covered:
Missed connection coverage helps when a delay causes you to miss a portion of your trip — such as a cruise departure or guided tour. Arch RoamRight plans may reimburse additional transportation costs to rejoin your trip and may cover unused prepaid expenses, if the delay was due to a covered reason.

What’s Not Covered:

• Missed connections resulting from insufficient layover time
• Delays not due to a covered reason
• Costs for alternate transportation not approved under the plan terms

Tip: When booking connecting flights or tours, always allow ample time between segments, especially when switching carriers or navigating customs.

📋 What to Expect During the Claims Process

To support your claim, you’ll need to provide:

• A copy of your travel itinerary and receipts
• Written documentation from the airline or transportation provider confirming the delay, loss, or issue
• Receipts for any replacement items or additional expenses

Arch RoamRight makes the claims process as clear as possible and offers online submission tools along with licensed customer service support.

⚖️ Know What to Expect — Before You Depart

Understanding what your travel insurance policy includes — and what it doesn’t — is one of the best ways to prepare for your trip. Arch RoamRight clearly outlines coverage terms and benefit limits so travelers know what they’re buying.

All plans are not the same. Before you travel:

• Review your plan’s Description of Coverage or policy document
• Check benefit limits for baggage and delay coverage
• Contact Arch RoamRight support with any questions

🧳 Travel Can Be Unpredictable — But You Can Plan Ahead

Delays and lost bags are frustrating, but they don’t have to derail your plans. With Arch RoamRight, you have access to benefits that help soften the financial and logistical impact of travel hiccups.

Ready to protect your next trip?
Start your Arch RoamRight travel insurance quote with no personal info required.