Backroads Travel Insurance


Help Protect Your Trip Investment, Your Belongings and Most Importantly, Yourself—with Travel Insurance!

Given the active nature of our vacations—and your lifestyle—we know unexpected things happen that could impact your trip! Backroads offers a comprehensive travel insurance plan at a competitive price to help protect your travel investment, and new in 2021, our Flexible Cancellation Plan offers peace of mind in an uncertain time.

  • Backroads Travel Protection Plan: Our comprehensive travel insurance plan includes trip cancellation and interruption coverage, medical evacuation, lost or delayed luggage and additional post-departure benefits.
  • Backroads Flexible Cancellation Plan: (non-insurance feature) Offered as an upgrade to our Travel Protection Plan for $100 per traveler, this plan allows you to cancel for any reason up to 48 hours prior to your trip date and avoid high cancellation penalties.

Have insurance questions? Visit our Travel Protection Plan FAQs

Backroads Travel Protection Plan

No one likes to think about what could go wrong before or on vacation, travel insurance may help protect your investment from unforeseen circumstances before and during your trip such as:

  • Sickness or injury
  • Job loss or relocation
  • Travel delays or trip interruption 
  • Lost or delayed luggage during Backroads trip
  • Death in the family
  • Hurricane, fire and other natural disasters
  • Medical evacuation 
  • COVID-19 positive test result 
  • And other covered reasons

You will pay in full for your Backroads vacation before you travel, and due to the many pre-paid commitments with our hotel partners and local suppliers, we adhere strictly to our cancellation policy. 

In the unfortunate event you must cancel your trip, you will be responsible for any cancellation fees incurred, up to 100% of your trip price. A travel protection plan can help to protect your vacation investment up to 100% of your Backroads trip cost for cancellation due to unforeseen covered reasons and is a small price to pay for some peace of mind. 

You may add this policy to your reservation anytime up to 15 days prior to your departure date. However, please note that to be eligible for some benefits, such as pre-existing medical conditions, you must purchase the travel protection policy within 21 days of your first trip payment. 

The Backroads Travel Protection Plan cost is based on your age at the time of purchase, and is non-refundable. Our Travel Protection Plan provides coverage for your Backroads trip only. Airfare, pre- and post-trip travel arrangements not booked by Backroads are not covered with this policy. See chart below for age tiers:

Age (at time of purchase) Cost of Insurance Plan (% of trip price)
0-50 6.9%
51-64 8.0%
65-74 10.2%
75+ 15.4%


Coverage Maximum Limit (per person)
Trip Cancellation 100% if insured trip cost
Trip Interruption 150% of insured trip cost
Trip Delay (8 hours or more) $150 per day / $750 maximum
Missed Connection (3 hours or more) $750
Baggage/Baggage Delay $2,000/$750
Emergency Accident or Sickness Medical Expense $50,000
Medical Evacuation & Repatriation of Remains $100,000
Accidental Death & Dismemberment $25,000
Political & Security Evacuation $25,000
Emergency Travel Services (non-insurance services) Included

The Backroads Travel Protection Plan is underwritten by Arch. Please click here for a summary of coverage offered by this plan. For complete details of the Backroads Travel Protection Plan, please see Travel Protection Plan.*

*Backroads is not permitted to offer the Backroads Travel Protection Plan to residents of NY and HI.

New York and Hawaii Residents Only, click here for Travel Protection Plan information.

The above information is a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-731-7065. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found here.


NEW! Flexible Cancellation Plan

Non-insurance feature provided by Backroads


Cancel for any reason up to 48 hours prior to your trip departure date and avoid high cancellation penalties when you purchase our Flexible Cancellation Plan.

Backroads is now offering a Flexible Cancellation Plan as an enhancement to the Backroads Travel Protection Plan. This new Flexible Cancellation Plan (FCP) allows you to cancel up to 48 hours prior to your trip start for any reason whatsoever and avoid high cancellation fees. The cost of FCP is $100 per person and must be purchased in addition to the Backroads Travel Protection Plan within 21 days of your first trip payment.* Both plans are non-refundable once purchased. 

If you cancel your trip for any reason that is not otherwise covered by the Backroads Travel Protection Plan, you may simply request to process your Flexible Cancellation Plan benefit. You will receive 75% of your trip cost (less the Travel Protection Plan and Flexible Cancellation Plan premiums) as a future trip savings to apply to the Backroads trip of your choice within 2 years. Must show proof of Backroads Travel Protection Plan claim denial, but no other questions asked.


Terms and Conditions of the Flexible Cancellation Plan (FCP): 

  • Plan is not an insurance policy and is administered by Backroads. The $100 plan cost is non-refundable once purchased. 
  • Plan does not apply to travel arrangements not made by Backroads, such as airfare, extra hotel nights, etc. 
  • The 75% savings is non-refundable, posts as a savings on the future trip reservation, and cannot be covered by insurance.
  • If you cancel your trip prior to final payment, our standard cancellation penalty applies ($200 for Scheduled trips, $600 for Private & Custom Trips and Special Departures).
  • The plan costs for the Backroads Travel Protection Plan and Flexible Cancellation Plan are not refundable 14 days after purchase. They are transferable to another Backroads trip in a same day transfer pre-final payment.

*Residents of Hawaii, Minnesota, Missouri and New York are not required to purchase the Backroads Travel Protection Plan to purchase the Backroads Flexible Cancellation Plan. Please contact us for options and pricing.


Please note: If you accept Backroads Travel Protection Plan and/or Flexible Cancellation Plan, the amount will be added and charged with deposit payment or upon coverage selection date if that date is after the deposit amount has been paid.


About Arch RoamRight

Arch RoamRight, the travel insurance brand of Arch Insurance, is a vertically integrated, A+ rated insurance carrier by AM Best and S&P (see the latest ratings here). Parent company Arch Capital Group is publicly traded under ticker ACGL on the NASDAQ. Arch RoamRight has developed many plans to protect travelers venturing around the world with travel protection for leisure, business, student and group travelers taking both domestic and international trips. From trip cancellation to travel medical insurance plans and an award-winning mobile app and website, Arch RoamRight is an industry leader in innovation and technological solutions. In 2020, Arch RoamRight was awarded multiple Travel Weekly Magellan Awards, and was named Best Customer Service Provider by Arch RoamRight also won the bronze Stevie Award® for Customer Service Department of the Year in the American Business Awards®.

As a global provider of travel insurance and assistance services, Arch Insurance Solutions is committed to:

High quality coverage – Arch's plans include trip cancellation insurance, travel medical insurance, scheduled benefit visitor programs, and worldwide medical insurance. All of these provide comprehensive coverage to travelers to protect them and their financial investments in their trips.

Excellent customer service – Arch's user-focused website makes it easier than ever to learn about and purchase travel insurance. Their employees have more than 35 years of experience helping travelers around the world. Let them help you protect your travels today.

Quality claims service – If you need to file an insurance claim, Arch's administrators will help you through the process. Travelers are often surprised at the efficiency of their claims department.

Have insurance questions? Visit their Travel Protection Plan FAQs

For a summary of the Backroads Travel Protection Plan, click here.


To file a claim, please contact Arch Insurance Solutions at 844-731-7065 or file an electronic claim here. When filing a claim, please reference the Backroads Travel Protection Plan.