arch insurance solutions

What arch insurance solutions does

Arch Insurance Solutions, Inc. is a U.S.-based travel insurance program administrator and brand platform, operating as a subsidiary of Arch Capital Group (U.S.). The company designs, distributes, and administers customizable group and individual trip cancellation, travel medical, and ancillary travel insurance plans, with all coverages underwritten by Arch Insurance Company (NAIC #11150) under policy form series LTP 2013. Claims administration is handled primarily through Aon Affinity Travel Practice (www.aontravelclaim.com), and 24/7 emergency assistance services are delivered via CareFree Travel Assistance with supplementary support from LiveTravel Assist and AXA Assistance USA on specific partner programs.

Core products include Group Trip Insurance for 10+ travelers (tour groups, mission trips, youth/school/religious/sports organizations), Employer Business Travel Programs, an Affiliate Program routed through the retail brand RoamRight, and White-Label/Co-Branding products enabling travel suppliers to sell Arch policies under their own brand. The technology stack comprises an online claims filing portal supporting multiple claim types (Trip Cancellation, Trip Interruption, Trip Delay, Medical Expense, Baggage Delay/Loss/Damage, Rental Car Collision, AD&D), customized e-commerce storefronts for each partner brand, and partner commission portals with real-time transactional notifications and reporting.

Arch Insurance Solutions serves more than 50 partner travel brands, including cruise lines (Royal Caribbean, Celebrity, Norwegian, Disney Cruise Line, Virgin Voyages, Silversea, Windstar, Azamara, Oceania, Regent Seven Seas, Margaritaville at Sea, Atlas Ocean Voyages), tour operators (Globus, Trafalgar, Contiki, Insight Vacations, Brendan, Grand European Travel, Uniworld), vacation packagers (Southwest Vacations, United Vacations, Travel Impressions, Funjet, Traterra, Blue Sky Tours, Swain Destinations, LeisureCare), Disney parks and Adventures by Disney, and educational/expedition providers (Road Scholar, National Geographic Expeditions). Revenue is generated through travel insurance premiums, affiliate fees (RoamRight), broker commissions on distributed policies, and white-label licensing/service fees. The company is headquartered in Kansas City, MO with administrative offices in Hunt Valley, MD, holds BBB accreditation, and is governed by a multi-state U.S. insurance regulatory framework.

Name

arch insurance solutions

Legal name

Arch Insurance Solutions, Inc.

Website

https://archinsurancesolutions.com

Company type

Private

Operating status

Operating

Short description

Arch Insurance Solutions administers and distributes customizable group and individual travel insurance plans in the U.S. through direct, broker, white-label, and RoamRight-affiliate channels, serving 50+ major travel-brand partners.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Embedded Travel Insurance Distribution & APIs (THALALAA)

akta.pro secondary industries

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK), Partner/Channel Enablement Portals for Insurers & Distributors (White-Label, Affiliate) (THALALAN), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Travel insurance
• Trip cancellation insurance
• Travel medical insurance
• Insurance program administration
• White label insurance

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: Revenue generated from underwriting travel insurance policies including trip cancellation, travel medical, and related coverage. Insurance coverages are underwritten by Arch Insurance Company (NAIC #11150) under policy form series LTP 2013.
2. Affiliate Fees: Revenue from affiliate program where partners like RoamRight refer travelers and earn affiliate fees when those travelers purchase insurance policies.
3. Broker Commissions: Revenue share with licensed and appointed independent retail and wholesale brokers who sell Arch Insurance Solutions products directly to clients.
4. White Label/Co-branding Fees: Revenue from white label opportunities where partners sell travel insurance programs under their own brand identity, including customized websites, phone numbers, and fulfillment services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Arch Insurance Solutions administers and distributes travel insurance products covering trip cancellation, trip interruption, travel medical expenses, emergency evacuation, baggage protection, and Cancel For Any Reason upgrades for individual travelers, employer business travelers, and groups of 10+ travelers. The company operates as a B2B program administrator providing white label and co-branded insurance products through over 50 travel brand partners including cruise lines, tour operators, and vacation providers, with insurance underwritten by Arch Insurance Company (NAIC #11150).

Product overview

Arch Insurance Solutions provides travel insurance products and services as a B2B insurance provider and program administrator. The company operates as a platform of customizable group trip insurance and medical insurance plans distributed through multiple channels including direct-to-consumers, licensed brokers, white label partners, and affiliate programs (RoamRight). The product portfolio includes core group and employer travel programs, white label branded e-commerce solutions, and over 35 partner brand travel protection plans offered through major travel providers including cruise lines (Royal Caribbean, Celebrity, Norwegian, Silversea, Windstar, Virgin Voyages, Azamara, Oceania, Regent), tour operators (Globus, Trafalgar, Insight Vacations, Contiki, Brendan Vacations, Grand European Travel), vacation packagers (Southwest Vacations, United Vacations, Travel Impressions, Funjet, Traterra, Blue Sky Tours, Swain Destinations), Disney travel products, and educational travel providers (Road Scholar, National Geographic Expeditions). All insurance benefits are underwritten by Arch Insurance Company (NAIC #11150) under Policy Form series LTP 2013, with claims administered by Aon Affinity Travel Practice and emergency assistance provided by CareFree Travel Assistance™ and other providers. The company offers various plan tiers including basic, standard, plus, luxury, and Cancel For Any Reason (CFAR) options with varying benefit limits.

Differentiator

Problem solved

Functional benefit

Brands

• RoamRight: Retail insurance provider offered through affiliate program. Customers can refer travelers to RoamRight and earn an affiliate fee when they purchase a policy.

Products and services

• Group Trip Insurance Programs
• Employer Business Travel Programs
• White Label and Co-Branded Travel Insurance
• RoamRight Affiliate Program
• LeisureCare Travel Protection
• Cruise Protection Essentials
• Partner Brand Travel Protection Plans (Cruise Lines, Tour Operators, Vacation Packagers)
• Online Claims Administration Service

Quantifiable outcome

• Trip Cancellation coverage up to 100% of total trip cost
• +5 more outcomes

Named customers33 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered minor, core, flagship and supporting.

• RoamRightminorGTM or Marketing PartnerRoamRight serves as the retail insurance provider in Arch Insurance Solutions' affiliate program. Travel partners can refer travelers to RoamRight and earn an affiliate fee when travelers purchase a policy.
• Aon Affinity Travel PracticecoreImplementation/ SI/ Consulting PartnerAon Affinity Travel Practice administers travel insurance benefits for most Arch Insurance Solutions products across partner brands including Royal Caribbean, Globus, Trafalgar, Contiki, and others. Also administers claims through www.aontravelclaim.com portal.
• CareFree Travel AssistancecoreTechnology or IntegrationCareFree Travel Assistance provides 24/7 worldwide emergency assistance services including Travel Assistance, Medical Assistance, and Emergency Services for most Arch Insurance Solutions travel protection plans. Contact: 1-877-303-5909 (US/Canada) or collect 1-516-342-4594.
• Travel Agent PartnerscoreChannel Partner/ Reseller/ DistributorTravel agents work with Arch Insurance Solutions to identify travel protection plans that best meet their travelers' needs. The company offers support and enrollment assistance for travel agent partners.
• Licensed Broker PartnerscoreChannel Partner/ Reseller/ DistributorLicensed and appointed independent retail and wholesale brokers who sell trip cancellation and travel medical insurance products directly to clients. Brokers can contact customer service via email or phone to establish partnerships.
• White Label/Co-branding PartnerscoreOEM/ Whitelabel/ Licensing PartnerTravel brands including cruise lines, tour operators, and vacation providers sell travel insurance under their own brand through custom e-commerce websites. Partners receive branded websites, administrative support, technical support, graphic design, and commission tracking portals.
• Arch Insurance CompanyflagshipOthersArch Insurance Company (NAIC #11150), part of Arch Capital Group (U.S.), underwrites all insurance coverages offered by Arch Insurance Solutions under policy form series LTP 2013. The Arch Insurance Solutions mark is owned by parent company Arch Capital Group.
• LiveTravel AssistsupportingTechnology or IntegrationLiveTravel Assist provides emergency assistance services for Road Scholar Assurance Plans, including Medical Escort, Motor Vehicle Return, and assistance with lost or delayed baggage.
• AXA Assistance USAsupportingTechnology or IntegrationAXA Assistance USA provides Worldwide Emergency Assistance services for Silversea Post Departure Plan including emergency travel and medical assistance.
• Global Booking SolutionssupportingChannel Partner/ Reseller/ DistributorGlobal Booking Solutions offers travel protection program to customers booking vacations, with Cancel for Any Reason upgrade option and coverage for various travel circumstances.
• National Geographic ExpeditionssupportingChannel Partner/ Reseller/ DistributorNational Geographic Expeditions provides blanket travel protection coverage for expedition departures through Arch Insurance Solutions.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Berkshire Hathaway Travel Protection: Direct-to-consumer and partner-distributed travel insurance offering trip cancellation, medical, and cancel-for-any-reason coverage. Comparable as a competitor embedded with travel agencies, tour operators, and OTAs in the US market.
• Travelex Insurance Services: US travel insurance provider offering trip cancellation, medical, and protection plans through travel agents, tour operators, and direct sales. Directly comparable on distribution model (agent/partner channel) and product structure.
• Seven Corners: Specialty travel insurance provider offering trip cancellation, medical, and international coverage with B2B partner and direct channels. Comparable on product specialization and partner-distribution model.
• RoamRight: Retail travel insurance provider serving as Arch Insurance Solutions' own affiliate program partner (referrals flow to RoamRight for purchase). Direct competitor in the direct-to-consumer travel insurance market with overlapping product offerings.
• World Nomads: Travel insurance provider focused on adventure and international travelers, distributed through travel suppliers and direct-to-consumer channels. Comparable on travel-insurance product set and partner-embedded distribution.
• Allianz Travel Insurance: One of the largest US travel insurance providers, distributing trip cancellation, medical, and baggage coverage through travel suppliers, OTAs, and direct channels. Highly comparable as a competitor offering similar white-label and partner programs to cruise lines, tour operators, and travel agencies.
• Generali Global Assistance (formerly CSA Travel Protection): US-based travel insurance administrator offering trip cancellation, medical, and baggage products with white-label/partner distribution. Comparable on B2B partner program model, claims administration, and embedded cruise/tour relationships.
• Trawick International: Travel insurance administrator offering trip cancellation, medical, and CFAR products distributed through travel agencies and partners. Comparable on B2B distribution model and white-label program structure.
• AIG Travel (AIG Travel Guard): Major US travel insurance carrier offering trip cancellation, medical, and CFAR products through travel partners and direct channels. Comparable on product breadth, distribution via travel suppliers, and white-label co-branded offerings to cruise and tour brands.

Broad incumbents

• Aon Affinity Travel Practice: Insurance brokerage and affinity division of Aon that administers Arch Insurance Solutions' claims and benefits across most partner programs. Adjacent/overlapping player in the travel insurance value chain, with broader specialty-insurance capabilities across multiple lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about arch insurance solutions