Arch RoamRight Travel Insurance

Help Protect Your Trip Investment, 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. In cooperation with Arch RoamRight, Backroads offers a comprehensive travel insurance plan at a competitive price to help protect your travel investment. A Flexible Cancellation Plan is also available as an upgrade, which offers additional benefits.

  • Arch RoamRight Travel Protection Plan: The comprehensive travel insurance plan includes trip cancellation and interruption coverage due to unforeseen reasons such as sickness or injury, medical evacuation and additional on-trip benefits.
  • Backroads Flexible Cancellation Plan (non-insurance feature): Offered as an upgrade to the Arch RoamRight Travel Protection Plan for $250 per guest, this plan allows you to cancel for any reason up to 48 hours prior to your Backroads trip’s start date and avoid high cancellation fees. In the event you must cancel for reasons not covered by the Arch RoamRight plan, the Backroads Flexible Cancellation Plan provides trip savings to apply to the Backroads trip of your choice; trip must be booked and departing within 2 years of issue.


Arch RoamRight 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/or during your trip.

You will pay in full for your Backroads trip before you travel, and due to the many pre-paid commitments with our hotels 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 of up to 100% of your Backroads trip cost for cancellation due to unforeseen covered reasons. Terms & Conditions apply.

You may add this policy to your reservation anytime up to 10 days prior to your Backroads 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 Arch RoamRight Travel Protection Plan cost is based on your age at the time of purchase and is refundable until 14 days after purchase. The 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 7.25%
51-64 9.75%
65-74 12.60%
75+ 17.75%

*Travel Protection Plan rates are as of January 15,2023 and are subject to change. If you purchased your plan prior to January 15, 2023, and transfer your reservation to a different date or trip before Final Payment (plan not transferrable after Final Payment), your revised booking will be subject to new rates (see table above).

The Arch RoamRight Travel Protection Plan is underwritten by Arch RoamRight. Please see the Arch RoamRight Travel Protection Summary of Coverage here.*

If you have further coverage or policy questions, please contact Arch RoamRight at 844-731-7065.

*Backroads is not permitted to offer the Arch RoamRight Travel Protection Plan to residents of New York, Hawaii and Quebec. New York and Hawaii Residents only, click here for Travel Protection Plan information purchase link.

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.

Arch RoamRight and Backroads are separate entities with no corporate affiliation.

Have insurance questions? Visit our Travel Protection Plan FAQs


Flexible Cancellation Plan

Non-insurance feature provided by Backroads

Cancel for any reason up to 48 hours prior to your Backroads trip start date and avoid high cancellation fees when you purchase the Flexible Cancellation Plan.

Backroads offers a Flexible Cancellation Plan (FCP) as an enhancement to the Arch RoamRight Travel Protection Plan. This feature allows you to cancel up to 48 hours prior to your Backroads trip departure date for any reason whatsoever and avoid most cancellation fees. The cost of the FCP is $250 per guest and must be purchased as an addition to the Arch Roamright Travel Protection Plan within 21 days of your first trip payment.* Both plans are non-refundable after 14 days.

If you cancel your trip for any reason that is not otherwise covered by the Arch RoamRight Travel Protection Plan, you may enact your FCP benefit. You will receive 75% of your trip cost (less the Arch RoamRight Travel Protection Plan and Backroads FCP premiums) as a future trip savings to apply to the Backroads trip of your choice; trip must be booked and depart within 2 years of the issue date of FCP savings.

You must show proof of Arch RoamRight Travel Protection Plan claim denial.

Terms and Conditions of the Backroads Flexible Cancellation Plan: 

  • Plan is not an insurance policy and is administered by Backroads. The $250 per guest plan cost is non-refundable 14 calendar days after purchase. It is transferable to another Backroads trip in a same-day transfer if made prior to Final Payment.
  • 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 fees apply. Please see terms here:

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

Please note: If you accept Arch RoamRight Travel Protection Plan and/or Backroads 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? Contact Arch RoamRight directly at 844-731-7065.

For a summary of the Arch RoamRight 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 Backroads as your travel provider. For a step-by-step guide to filing a claim, please see here.