RoamRight Essential

As the most economical plan offered by RoamRight, the Essential plan offers basic comprehensive travel insurance coverage. The key benefits offered by this plan are:

  • Trip Cost Protection — to protect your monetary investment in the event you have to cancel or interrupt your trip for a covered reason
  • Medical Protection — which reimburses you for covered medical services while on your trip
  • Baggage Protection — which offers coverage in the event your bags are lost or delayed during your travels.

If you will be traveling with children, this plan will cover one child (age 17 or under) free for each covered adult. Whether you are going on a family adventure, a well-deserved cruise, or a long-awaited trip to a foreign country, the Essential plan offers peace of mind wherever your travels take you.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
View Certificate
View Certificate
Refund Policy
14 Day Review Period
Insurance Underwriter
Arch Insurance Company
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost
Financial Default
14 Day wait, if purchased within 21 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign and U.S. Domestic
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
$750 ($50 ded.)
$250 per article limit
$500 combined max. for specified items
Baggage Delay
24+ hours
$200 max.
Travel Delay
12+ hours
$100/day; $500 max.
Supplier Default
Medical Limit
$15,000 ($50 ded.) (secondary)
Complications of Pregnancy
$500 Incl. in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If insurance purchased within 21 days of Initial Trip Payment and certain conditions are met
Lookback Period
180 Days
Pre-Existing Condition Period
Medical Evacuation
$150,000 (secondary)
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
$0 (+$)
$25,000 (Air Only) (+$)
Flight Only
Included in Accidental Death - Common Carrier
Additional Benefits
24-Hour Emergency Assistance
Rental Car
$0 (+$)
$25,000 (+$)

Medical and Evacation
Medical and Evacuation Coverage Upgrade(+$)
Itinerary Change
Available to
U.S. Residents

Customer Ratings

Our customers rate the Nationwide Mutual Insurance Company Choice Cruise plan on our site

on average based on 51 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

Price and service were both exceptional!
Thomas E.
Great price and coverage which made for a worry-free trip!
Ana Nicole M.
Although we had no reason to use the plan, it offered good protection for the money. It was worth the cost in relation to the total cost of our trip and it gave us peace of mind.
Dan J.
See all reviews

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