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AAA Travel Insurance

AAA offers annual and single-trip travel insurance plans that can cover trip cancellations and medical emergencies.

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Enjoy our AAA Travel Insurance Review. Many members would like to know whether AAA Travel Insurance offers good value. The short answer is no. AAA Comprehensive Trip Insurance is expensive, and has very weak travel medical benefits. AAA Travel Insurance customers would be well advised to compare the market, for better cover and lower prices.

Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance.

The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

AAA Travel Insurance Plans and Costs

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

Trip Plans

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans.

The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

Which AAA Travel Insurance plan is best for me?

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling.
If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage.
If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals.

If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Travel Insurance AAA Deluxe

Insurance, assistance and concierge services with highest levels of coverage is how AAA and Allianz introduce this cover. We think that this is highly optimistic. The insurance cover levels are weak in comparison with the most modest policies that other insurers offer.

$50k in Emergency Dental and Medical cover. We would always recommend that at least $100k of medical cover is preferable. Hospitals can often charge in excess of $4k per day. $50k in medical cover flies past pretty quickly in the event of a serious injury.

$1m in Emergency Medical Transportation – this is incredibly high cover. We would prefer to see less benefit for evacuation and more for medical cover. The most expensive medical transportation case that we have seen came in at $250k. This involved a large private jet flying from Africa back to the USA with an attending medical team. Whilst it is possible to spend more than this, it seems highly unlikely to be relevant to most travelers.

AAA Travel Insurance Review – Single Trip Protection Plans

The vast majority of people who are interested in AAA Trip Insurance will be searching for Single Trip Protection.
AAA offers four different plans for customers – Essential, Family Care, Basic and Deluxe.

AAA Travel Insurance Review – Annual Travel Plans

AAA Trip Insurance offers two different annual travel plans, Annual Deluxe and Annual Executive.

The biggest drawback with annual travel insurance plans is that the levels of cover tend to be lower than most people need.

AAA Deluxe has only $20k of Emergency Medical cover, which is not substantial. The AAA Executive Plan has only $500 – five hundred dollars – of cover. We have never seen such low amounts on a travel medical plan. This is OK for travelers who have certainty that their own personal health insurance will cover them, but totally inappropriate if not.

What isn’t covered

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:
High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.
Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity
Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.


How much does AAA travel insurance cost?

The cost of a travel insurance policy depends on many factors, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Does AAA have international travel insurance?

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Is travel insurance worth getting?

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it.

Does AAA offer travel insurance?

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.


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