AAA Travel Insurance Guide, 2025
AAA offers more than just roadside assistance, AAA travel insurance is provided in partnership with Allianz Global Assistance.
AAA offers coverage for various travel-related issues, including domestic and international travel, as well as unforeseen events like cancellations, delays, and medical emergencies.
AAA Membership offers great value for individuals who take frequent road trips or need roadside assistance during emergencies. AAA travel insurance costs vary depending on the trip duration, destination, and specific insurance plan option.
AAA Travel Insurance: Is It Worth It?
Yes, AAA offers a range of travel insurance plans through its partnership with Allianz Global Assistance. Allianz is a world-renowned provider of travel insurance, offering AAA trip insurance coverage for various trip-related issues, including cancellations, delays, and medical emergencies, as well as baggage loss and other travel-related issues.
Key Benefits of AAA Travel Insurance:
- Trip Cancellation
- Trip Interruption Coverage
- Emergency Medical Coverage
- Baggage Loss Protection
- Travel Assistance Services
- Emergency Medical Transportation
AAA members enjoy added benefits like discounts on travel services and assistance while traveling abroad. However, it is important to note that you don’t have to be an AAA member to purchase AAA trip insurance offered in association with Allianz Global Assistance.
Comparing Trip Insurance vs. Travel Insurance
While “trip insurance” and “travel insurance” (or “travel medical insurance”) are often used interchangeably, they serve different purposes.
Knowing the differences between travel insurance vs. trip insurance is helpful.
Travel medical insurance includes health insurance, which covers unexpected medical expenses abroad and provides sufficient coverage for travel-related emergencies.
| Coverage Type | Trip Insurance | Travel Insurance (Medical) |
|---|---|---|
| Purpose | Protects the financial investment in your trip (e.g., cancellations, interruptions) | Covers medical expenses, accidents, and evacuations |
| Ideal for | Travelers concerned about non-medical risks like cancellations | International travelers and those needing emergency medical assistance |
| Key Benefits | Trip cancellations, delays, interruptions | Medical emergencies, hospital stays, evacuation |
| Medical Coverage | Not included | Included, often with high coverage limits |
| Additional Features | Baggage loss, travel delays | Emergency transportation, repatriation |
- Explore Trip Insurance Plans
- Explore Travel Medical Insurance Plans
How Much Does AAA Travel Insurance Cost?
AAA offers international travel insurance, which is crucial for comprehensive coverage when traveling abroad. While the plans do not inherently include rental car coverage, there are add-on options available for travelers concerned about potential interruptions, damage, or theft of rental vehicles during their trips.
How much does AAA Travel Insurance Cost? Let’s understand this with an example of coverage:
- Traveler: 45-year-old
- Origin/Destination: California (USA) to Paris (France)
- Coverage: 8 Days coverage
- Total Trip Cost: $3,000
| Plan | TripProtect Deluxe | TripProtect Select | TripProtect Cancel Anytime | Rental Car Damage Protector |
|---|---|---|---|---|
| Total Price | $193 | $148 | $214 | $77 |
| Lost Document Replacement Fee | $75 | $50 | $50 | |
| Trip Change Protector | $1,000 | $500 | $500 | |
| Travel Vaccine Coverage | $200 | $100 | $100 | |
| Baggage Delay Coverage | $600 | $300 | $300 | |
| Trip Cancellation | Up to the amount purchased | Up to the amount purchased | Up to the amount purchased | |
| Trip Interruption | Up to 150% of the amount purchased | Up to 150% of the amount purchased | Up to 150% of the amount purchased | |
| Trip Interruption Coverage – Rental Car | $1,000 | |||
| Missed Port Call | $300 | $300 | $300 | |
| Travel/Trip Delay Coverage | $1,600 | $800 | $800 | |
| Baggage Coverage | $2,000 | $1,000 | $1,000 | |
| Baggage Coverage (Rental Car) | $1,000 | |||
| Emergency Transportation | 1,000,000 | $500,000 | $500,000 | |
| Rental Car Damage and Theft Protection | $50,000 | |||
| Vehicle Return Coverage | $750 | $750 | $750 | |
| Emergency Medical/Dental Coverage | $75,000 | $50,000 | $25,000 | |
| 24-Hour Hotline Assistance | Yes | Yes | Yes | Yes |
| Concierge | Yes | Yes | Yes |
Plans may also cover pre-existing conditions subject to a few requirements being met. Premium cost as per a quote generated on the Allianz Global Assistance website for AAA Travel Insurance
What Is Not Covered By Travel Insurance?
Understanding exclusions is crucial when purchasing any travel insurance policy. Here are common exclusions you should be aware of:
| Exclusion Type | Description |
|---|---|
| Adventure Sports | Most policies don’t cover high-risk activities like skydiving, rafting, and scuba diving. |
| Natural Calamities | Insurance typically doesn’t apply if purchased after a calamity has been declared. |
| Intentional Behavior | Losses from self-inflicted harm, drug use, or criminal activity are excluded. |
How to Choose the Best AAA Travel Insurance Plan
The best AAA travel insurance plan depends on your travel frequency and coverage needs. Here are a few tips to help you decide:
- Check Existing Coverage: Some premium credit cards offer travel insurance benefits (e.g., trip cancellation, medical coverage). If your credit card offers sufficient coverage, you might not need additional travel insurance, especially for short trips.
- For International Travel: Ensure that your plan includes adequate medical coverage. A plan with at least $100,000 in medical coverage is ideal for international trips where medical costs can be significantly higher.
- For Frequent Travelers: Consider an Annual Multi-Trip Travel Insurance Plan if you travel multiple times a year. These plans provide convenience and cost savings for frequent trips.
Travel Insurance for Seniors
AAA trip insurance plans are an excellent option for seniors, offering comprehensive coverage tailored to their unique needs. Whether you’re planning a single trip or multiple journeys throughout the year, AAA has plans that can provide you and your family members peace of mind and financial protection.
For seniors, medical emergencies can be a significant concern while traveling. AAA travel insurance cover unexpected medical expenses, ensuring you receive the necessary care without worrying about the costs. Additionally, the insurance includes trip cancellations and interruptions, which can be particularly beneficial if unforeseen circumstances arise, such as health issues or family emergencies.
With various AAA Trip Insurance plans available, seniors can choose the coverage that best suits their travel habits.
How to Purchase Travel Insurance
Purchasing travel insurance from AAA is a straightforward and hassle-free process. AAA offers you two main options: buying online or through a AAA agent.
To purchase travel insurance online, visit the AAA website and navigate to the travel insurance section. Enter your trip details, such as destination, travel dates, and the number of travelers. The website will then display a range of plans tailored to your needs. Review the options, compare the coverage, and select the plan that best fits your requirements. Once you’ve made your choice, follow the prompts to complete the purchase.
If you prefer personalized assistance, you can contact a AAA agent. The agent will guide you through the process, help you understand the different plans, and recommend the best option based on your travel details and coverage needs. This can be particularly helpful if you have specific questions or require more detailed information.
Before finalizing your purchase, make sure to review the policy details, including coverage limits, exclusions, and any limitations. This ensures you have a clear understanding of what is covered and can travel with confidence.
Tips for Buying Travel Insurance
When it comes to buying travel insurance, a little research and preparation can go a long way. Here are some tips to help you make an informed decision:
Here’s the information in table format:
| Tip | Description |
|---|---|
| Research and Compare Plans | Take the time to explore different travel insurance plans. Compare the coverage, benefits, and costs to find the best option for your needs. |
| Read Policy Documents Carefully | Understanding the fine print is crucial. Make sure you know what is covered, what is excluded, and any conditions that apply to your policy. |
| Purchase Early | Consider buying travel insurance as soon as you book your trip. This ensures you are covered for any unexpected events that may occur before your departure. |
| Check Existing Coverage | Some credit cards and home insurance policies offer travel insurance benefits. Review these to see if they provide sufficient coverage, potentially saving you from purchasing additional insurance. |
| Look for 24/7 Support | Choose a policy that offers 24/7 customer support and assistance. This can be invaluable if you encounter issues while traveling and need immediate help. |
By following these tips, you can ensure you select the best travel insurance coverage for your needs, providing peace of mind and protection during your travels.
Conclusion
AAA, in partnership with Allianz Global Assistance, provides a range of travel insurance plans suitable for different types of travelers. However, depending on your travel needs, you may find better coverage at a lower cost with other insurers. Always compare plans, read policy documents carefully, and consult your provider for exclusions or special terms before purchasing any insurance.
Before deciding, make sure to consider your travel habits, medical coverage requirements, and whether the plans suit your destination. Whether traveling for business or leisure, having travel insurance gives you peace of mind, knowing you are protected against the unexpected.
Frequently Asked Questions
What does AAA travel insurance cover?
AAA Travel Insurance typically covers a variety of travel-related risks and emergencies. The coverage includes:
- Trip Cancellation/Interruption: Reimbursement for trip expenses if you need to cancel or cut your trip short due to unforeseen reasons, such as illness, injury, or other covered events.
- Emergency Medical Coverage: This covers medical expenses if you get sick or injured while traveling, including hospitalization and medical evacuation.
- Lost, Stolen, or Damaged Baggage: Compensation for lost, stolen, or damaged baggage during your trip.
- Travel Delays: Coverage for expenses incurred due to delays, such as accommodation and meal costs.
- Accidental Death and Dismemberment: Provides compensation in case of death or severe injury during travel.
- Emergency Assistance Services: Includes services like emergency medical assistance, trip coordination, and more.
The exact coverage details may vary depending on the plan you choose.
Does my AAA membership cover travel insurance?
AAA membership itself does not automatically provide travel insurance coverage, but it can offer discounts or additional benefits when purchasing travel insurance through AAA Travel Insurance. AAA members may also receive access to exclusive travel-related services and resources like travel planning, roadside assistance, and travel-related discounts, but for comprehensive travel insurance coverage, you’ll need to purchase a separate travel insurance policy.
How much does AAA travel insurance cost?
The cost of AAA Travel Insurance varies depending on factors like:
- The trip cost and the level of coverage you need
- The destination and length of your trip
- Your age and health status (for medical-related coverage)
On average, travel insurance can cost between 4% to 10% of your total trip cost. For example, if your trip costs $2,000, travel insurance may range from $80 to $200. It’s best to get a personalized quote from AAA to determine the exact cost based on your travel details.
