Before you can use the ArchRoamRight insurance integration, ensure you have:
ArchRoamRight Partner Account — You must have an active ArchRoamRight partner account with Agency Code and Agent ID credentials
Credit Card Authorization — You must have the ability to collect credit card authorizations enabled in your account settings
Before we jump in - a few disclaimers
We’ve worked very closely with travel industry lawyers to develop these tools, but the information we give should not be seen as legal advice. Always consult with your legal counsel for specific questions.
As you use Tern to share insurance quotes and get credit card authorization, please remember that you are responsible for knowing travel insurance rules and regulations. Selling travel insurance is regulated differently based on where you and your clients are located. You are responsible for understanding these regulations and presenting insurance options to your clients in a compliant way.
Full Walk Through
Steps
Enabling the ArchRoamRight Integration
Before you can get insurance quotes and process purchases, you need to connect your ArchRoamRight account to Tern.
Step 1: Access Personal Integrations
Navigate to your Personal Settings (click your profile icon in the top navigation)
Select Integrations from the settings menu
You'll see the Personal Integrations page with available integrations
Step 2: Get Your ArchRoamRight Credentials
Before connecting, make sure you have:
Agency Code — Your ArchRoamRight Partner Code
Agent ID — Your ArchRoamRight Agent Code
If you don't have these credentials:
Access the ArchRoamRight Partner Portal to retrieve your Agency Code and Agent ID
Contact your ArchRoamRight account representative if you need assistance at [email protected]
Step 3: Connect ArchRoamRight
On the Personal Integrations page, locate the ArchRoamRight integration card
Click Connect
Enter your Agency Code and Agent ID
Click Connect to save
Step 4: Verify Connection Status
After submitting your credentials, Tern will automatically validate them. You'll see one of two statuses:
Connected — Your credentials are valid and the integration is active
Pending — The credentials need additional verification from Arch RoamRight
💡: If your integration shows "Pending," click the Refresh button to re-validate.
Your integration will appear in a pending state until Arch RoamRight enables the Tern integration for your account. This should be completed within 1-2 business days so please reach out to [email protected] if you are still in a pending state after 1-2 business days.
Disconnecting the Integration
Go to Personal Settings → Integrations
Find the ArchRoamRight integration card
Click Disconnect and confirm
Warning: Disconnecting will prevent you from getting new quotes or processing purchases until you reconnect.
Getting Insurance Quotes on a Trip
Step 1: Create Your Trip
Create a new trip in Tern
Set your travel dates (start and end date) — these are used to calculate insurance coverage periods
Step 2: Add Travelers
Insurance quotes require accurate traveler information. For each traveler, add:
Full name
Date of birth (critical for accurate quotes)
Complete address:
Street address
City
State (standardized format)
Country (standardized format)
ZIP/Postal code
⚠️ Important: Travelers must have complete and accurate address information for the insurance integration to function properly. We have added Country and State drop downs to contact addresses to keep this information as accurate as possible.
Step 3: Add Itinerary Items and Costs
Navigate to your trip's Itinerary or Bookings tab
Add your travel components (hotels, flights, activities, packages etc.)
For each component, enter:
Total cost — used to calculate insurance coverage amounts
Destination — via the property, port or itinerary location section
Step 4: Set Deposit and Payment Information
For each booking in your itinerary:
Set the deposit amount (if applicable)
Specify the deposit due date
If the deposit has already been collected, select the appropriate payment status and log the payment date
💡 Tip: Make sure all payment dates and amounts are accurate before getting quotes — these details affect available insurance options.
Step 5: Get Insurance Quotes
Navigate to the Insurance tab on your trip
Review the displayed trip details (travel dates, total cost, deposit date, traveler details)
The destination field is dynamically derived from all locations and ports in the itinerary's activities and days, not from stored configuration data.
Click Get Quotes to retrieve options from ArchRoamRight
Quotes will display with plan options, pricing, and coverage details
You can:
Remove options if you only want clients to see specific plans
Add manual quotes if needed, learn more about that here: Collecting travel insurance authorization / opt out
⚠️ Important: If you change any trip details after getting quotes, click Get Quotes again to refresh with updated information.
Step 6: Prepare for Client Review
Review all insurance options and details
Click Ready for Client Review
Publish your trip
Client Experience
Accessing Insurance Options
Clients will:
Open the trip link you've shared
Review their itinerary
Click Select Insurance to view available options
Access Requirements:
Clients must use the exact email address associated with their traveler account
The email must be attached to a traveler with full access to the trip
Clients will receive a verification code via email to confirm their identity
Viewing Insurance Details
Each option displays:
Plan details — coverage inclusions and benefits
Pricing — cost for the selected plan
Policy documents — link to view sample documents by state
Selecting and Authorizing Insurance
Client reviews all available options
Client selects their preferred plan and clicks Continue
Client enters payment information and submits authorization
What happens next:
Payment authorization is sent securely to ArchRoamRight
Insurance is automatically booked once processed
Trip status updates to show insurance as "Paid"
A booking is created in the ArchRoamRight system
Emails
Clients will receive an authorization confirmation that explains charges may be processed immediately if your advisor is using a booking integration.
This will also link to a PDF that includes the quote and policy link.
Documents
Travels will see their Order Confirmation in their documents after you publish the trip.
Advisor View After Booking
Booking Creation
After your client has authorized payment:
Return to the trip in your Tern account
Navigate to the Insurance tab
Click into the insurance option to see:
Booking date in ArchRoamRight
Confirmation details
Plan and payment details
This booking will be shared with your agency or available in your booking list within the Commission tab. You can edit the expected commission field directly within the insurance booking view.
This booking will also appear in your ArchRoamRight Portal where you can view policy information, payment details, and traveler details.
Failed bookings
If a booking fails because of a payment declined or expired quote you will see that in the booking with the option to remove the clients authorization to reset. You can also use the clients authorization to attempt to make the booking directly in your Arch RoamRight portal.
Documents
The order confirmation with policy information will be added to the documents tab as visible to travelers.
Managing Insurance Bookings
Changes and Cancellations: Any modifications must be handled directly in the ArchRoamRight portal
Refresh Functionality: A refresh option is being developed to sync booking updates back to Tern
Roadmap
Editable Trip Cost To give you flexibility of coverage amounts | January 2026 |
Client View of Insurance An insurance tab so your clients can reference their selected insurance | March 2026 |
Add Ons Support for Arch RoamRight add ons when quoting & purchasing | Q2 2026 |
Multiple Order Support For multiple insurance orders on the same trip | Q2 2026 |
Client Refresh of Quotes Refresh quotes when they are shared with clients, and after any itinerary selections | Q2 2026 |
Policy Modifications / Cancellations Support for modifying and cancelling policies within Tern | Q2 2026 |
FAQ
Arch RoamRight Promotion Terms
Earn an Additional 4% Commission When Booking Through Tern
Arch RoamRight is pleased to offer a limited-time promotion for travel advisors booking policies through the Tern platform.
During promotion, eligible travel advisors who book Arch RoamRight policies through Tern will receive an additional 4% commission on top of their standard base commission for each qualifying policy sold.
This promotion is designed to encourage advisors to leverage the Tern platform to streamline bookings while offering travelers access to Arch RoamRight travel insurance solutions.
Promotion Period:
12:00 am EST February 1, 2026 through 11:59 pm EST April 30, 2026. Terms and conditions apply.
Terms and Conditions
This promotion applies only to Arch RoamRight travel insurance policies booked and issued through the Tern booking platform during the promotion period commencing at 12:00 am EST on February 1, 2026 and ending at 11:59 pm EST April 30, 2026.
Eligible participants include travel advisors who are properly registered, in good standing, and authorized to sell Arch RoamRight products at the time of policy issuance.
The additional 4% commission applies solely to the base commission rate and does not apply to overrides, bonuses, fees, or other compensation arrangements.
Commission eligibility is based on policies that are successfully issued and remain in force, subject to standard policy terms, cancellations and refunds.
Adjustments, chargebacks, or cancellations may impact promotion eligibility and payout amounts.
The additional commissions earned during the promotion period are calculated and paid in accordance with Arch RoamRight’s standard commission payment schedule and processes.
Arch RoamRight reserves the right to modify, suspend, or discontinue this promotion at any time, subject to applicable laws and regulations.
This promotion may not be combined with other commission-based promotions unless explicitly stated in writing by Arch RoamRight.
All policies are subject to the terms, conditions, limitations, and exclusions outlined in the applicable policy documents. Coverage availability and provisions may vary by state.
Need Help?
If you encounter any issues, please contact [email protected], support or refer to the ArchRoamRight portal for policy-specific questions.