Annual Multi-Trip Travel Insurance
If you head out the door more than once or twice a year, here's the part of the Beach family playbook we'd quietly hand you over coffee: buy your travel coverage once, not every trip. Arch RoamRight's Annual Multi-Trip plan is a single yearly purchase that protects every trip you take for the next twelve months — from a long weekend in Charleston to a two-week stretch overseas.
We've sat across the table from enough Carolinas travelers to know the pain points: a flight that cancels the night before, a stomach bug five time zones from home, luggage that takes the scenic route without you. This plan is built for exactly those moments — and we're right here when you need to use it.
Frequent travelers: plan your trips all year knowing they're covered with Arch RoamRight's Annual Multi-Trip Travel Insurance. Traditional policies require a separate purchase for each trip — the Annual Multi-Trip policy is a single purchase that covers all your trips for an entire year.
Coverage Benefits & Limits
Here's the protection you carry with you on every trip during your policy year. All amounts are per person, per year, aggregate.
| Benefit | Limit |
|---|---|
| Trip Cancellation | Up to 100% of Trip Cost |
| Trip Interruption | Up to 100% of Trip Cost |
| Trip Delay | $1,000 ($200/day), after a 12+ hour delay |
| Missed Connection (outward journey only) | $500, after a 3+ hour delay |
| Baggage Delay (outward journey only) | $300, after a 24+ hour delay |
| Baggage / Personal Effects | $1,000 ($250 per article; combined limit of $500 for valuables) |
| Emergency Accident & Sickness Medical Expense | $25,000 ($750 for Dental), No Deductible, Excess coverage |
| Emergency Evacuation & Repatriation | $250,000 (max 1 occurrence per year) |
| Political & Security Evacuation | $100,000 (evacuation must occur within 7 days of the event) |
| Accidental Death & Dismemberment | $25,000 |
| Emergency Travel Assistance Services | Included (24/7) |
Coverage applies to canceled, interrupted, or delayed trips (delay 12+ hrs), missed connections (3+ hr delay), and an occupancy upgrade if a traveling companion has to cancel for a covered reason.
Lost, stolen, or damaged baggage is covered, with a separate baggage-delay benefit (24+ hrs). Emergency medical handles sickness or injury that strikes while you're abroad.
Emergency medical evacuation gets you to the nearest suitable facility — and includes round-trip economy airfare for a companion if you're traveling alone and end up hospitalized for 7+ days.
Repatriation of remains returns you to your U.S. city of residence. AD&D pays a lump sum, and
political & security evacuation gets you to the nearest safe haven.
*Evacuation and repatriation are limited to one occurrence per policy term.
Policy Details
The fine print isn't fine print with us — here's what the Annual Multi-Trip plan asks of you, plain and up front.
Maximum traveler age
75
Trip duration
Up to 30 days per trip
Distance from home
Trips must be 100+ miles from your primary residence
Medical evacuation & repatriation
Limited to one occurrence per policy term
Money-back guarantee
14-Day Money-Back Guarantee (Indiana residents: 30 days), if no claim has been filed
Pre-existing conditions
180-day lookback period
Pricing
Pick the trip-cancellation coverage level that fits the way you travel. Pricing is as of December 2023, subject to change, for travelers age 75 or under, unlimited trips, each trip 30 days or less and 100+ miles from home.
| Desired trip-cancellation coverage | Price |
|---|---|
| $2,500 (base) | $192 |
| $2,501–$5,000 | $320 |
| $5,001–$7,500 | $447 |
| $7,501–$10,000 | $574 |
Emergency Travel Assistance Services
Around the clock, around the world. If something goes sideways out there, this is the help line you'll be glad you have in your pocket — available 24/7 worldwide.
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 & dental referrals
- Monitoring of treatment
- Relay of insurance and medical info
- 24-hour health information
- Medication & vaccine transfers
- Updates to family, employer, and physicians
- Replacement of corrective lenses & medical devices
Emergency Transportation
Must be arranged by the designated assistance provider.
- Emergency medical evacuation
- Medically necessary repatriation
- Repatriation of deceased remains
- Return of dependent children
- Emergency medical reunion
- Emergency political or security evacuation
Covered Events
Life throws curveballs, especially the further you travel from the porch. Here's a snapshot of the events that can trigger coverage. Each must be unforeseen at the time you purchase the policy — see your plan for the complete list.
- Sickness, accidental injury, or death
- Being hijacked, quarantined, subpoenaed, or asked to serve jury duty
- Your home or destination made uninhabitable
- Traffic accident en route to departure
- Terrorist attack
- Revoked military leave
- Strike
- Inclement weather
- Normal pregnancy of you or a traveling companion
- Road closure
Frequently Asked Questions
The questions we hear most often from Carolinas travelers — answered straight, with nothing dressed up.
How does an Annual Multi-Trip policy work? +
How many trips are covered? +
How long can each trip be? +
What's the maximum traveler age? +
Are my traveling companions covered? +
What are some covered events? +
Is there a money-back guarantee? +
How do I get a quote? +
Ready to Travel Covered All Year?
One purchase, twelve months of coverage, and our team here in the Carolinas to back you up when you need us. That's the Beach way.
Disclaimer
The insurance coverage or plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your plan for detailed terms, conditions and exclusions. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150 under form series LTP 2013 and amendments thereto. Plans are sold by Beach Insurance LLC, a licensed producer. The licensed insurance producer may be reached at 843-718-0075 and the underwriter may be reached at 1-844-872-4163.