AAA Travel Insurance

Have you been considering travel plans lately? Sometimes, the process of organizing a trip can be just as tiring as the journey itself. Booking hotels, securing rental cars, arranging flights or other transportation, packing luggage, ensuring everyone is prepared, and then dealing with check-ins at various stops – it can be exhausting.

Whether you’re embarking on a solo adventure or traveling with family and friends, it’s easy to overlook important details and see costs spiral out of control.

One critical aspect that should never be neglected is travel insurance. It can be a lifesaver in case of unexpected delays or unforeseen challenges during your trip.

Finding the right insurance coverage tailored to your travel plans is essential for a stress-free experience.

If you happen to be among the many who hold an AAA membership, you’re probably aware of the fantastic travel and insurance deals they offer. They also provide access to travel agents who can assist in planning your next vacation and offer discounts on hotels, flights, and other expenses. However, the question remains: Does AAA offer the specific type of travel medical insurance that suits your individual needs? Keep reading to explore everything. 

What is AAA Travel Insurance?

Since its establishment in 1902, AAA has positioned itself as a foremost authority on secure mobility, serving over 62 million members throughout North America. As a not-for-profit entity that abides by all tax regulations, AAA provides an array of services spanning from automotive aid to insurance and financial solutions. They operate through 30 motor clubs with a presence in over 1,000 branches. The AAA Mobile app enhances the user experience by offering features like roadside assistance, local fuel prices, exclusive discounts, hotel reservations, and travel planning. Learn more about their memberships at

In collaboration with Allianz, AAA presents four distinct travel insurance plans. For a 45-year-old woman traveling to the Virgin Islands for a week, we evaluated these plans beginning with the most cost-effective option. The plans available are Essential, Basic, Classic, and Premiere, each offering different levels of coverage.

How can I register for AAA Travel Insurance? 

To register for AAA Travel Insurance, you can follow these general steps:

Visit the Official Website: Start by visiting the official AAA website, which is typically

Navigate to the Travel Insurance Section: On the main navigation bar or homepage, look for “Travel” or a similar option. From the dropdown menu or linked pages, find the “Travel Insurance” or “Insurance” option.

Get a Quote: Most insurance providers, including AAA, will provide an option to get a quote online. You’ll likely need to enter details such as your trip details (destination, duration, etc.), personal information, and any specific coverage needs.

Choose a Plan: After entering your details, you’ll be presented with various insurance plan options. Review the coverage details, terms and conditions, and prices.

Fill Out the Application: Once you’ve chosen a plan, you’ll need to complete an application form. This typically requires more detailed personal information, travel specifics, and any pre-existing conditions or other relevant health details.

Payment: After filling out the application, you’ll proceed to payment. Ensure you save or print out your insurance policy details and keep them handy during your travels.

Contact Local Branch or Agent: If you prefer a more personal touch or have specific questions, consider visiting a local AAA branch or contacting an agent directly. They can guide you through the process and may offer insights into the best plans for your specific needs.

AAA Mobile App: Consider downloading the AAA Mobile app for easy access to your travel insurance details and other AAA services on the go.

Read the Fine Print: As with all insurance policies, it’s essential to read the terms and conditions, understand the coverage limits, and exclusions, and know how to file a claim.

The exact process may vary based on your location, as different AAA clubs operate in different regions. It’s always a good idea to consult with your local AAA club or its website for specific details.

The AAA Membership benefits

The American Automobile Association (AAA) is renowned for providing a plethora of discounts on various products and services, one of which includes travel insurance packages.

AAA’s travel agents are adept at assisting with trip planning and presenting members with attractive deals on accommodations, airfares, and other travel-related expenses.

However, a crucial aspect to delve into is whether AAA’s travel medical insurance comprehensively addresses your unique needs. Does it encompass aspects like Trip Cancellation, Emergency Medical Transport, Medical Care during Emergencies, Compensation for Lost Baggage, Coverage for Rental Car Damages or Theft, Medical Evacuation provisions, and Concierge Services, among others?

What does AAA travel insurance cover?

AAA provides options for both annual and one-time trip insurance for both domestic and international journeys. However, it’s important to note that the available policies can differ based on your state and intended travel destination. The examples provided might not mirror the exact offerings in your region. To get precise pricing tailored to your needs, utilize AAA’s “Get A Quote” feature.

AAA single-trip plans

AAA has tailored its single-trip plans for individuals venturing out from their residence, be it to a domestic location or an international one, with an eventual return. To gauge the available options, we used a hypothetical scenario: a 45-year-old from Indiana planning a two-week trip to Spain, budgeted at $3,000. Based on this, AAA presented four distinct single-trip plans.

AAA single-trip plans

AAA single-trip plans cost

The Essential Plan, priced at $97, is tailored for travelers seeking just the fundamental trip cancellation and interruption insurance. It’s an excellent choice for those traveling domestically, who already have U.S. health coverage and aren’t traveling with business equipment.

At $111, the Basic Plan encompasses everything the Essential Plan offers, with added medical coverage and enhanced protection for baggage and possible travel delays.

Both the Classic ($140) and Premier Plans ($174) share similar features. However, the Premier Plan steps up with twice the coverage for emergency medical needs, transportation, trip delays, and baggage setbacks.

For those wanting more flexibility, the Classic Plan offers an optional “cancel for any reason” upgrade at an additional $71, totaling $211.

For those keen on safeguarding their rental vehicles, there’s the Rental Car Damage Protector Plan at $135. It covers up to $1,000 for trip interruptions and baggage losses, and a hefty $40,000 for potential rental car damages or theft. Should your rental vehicle be stolen or damaged, this plan ensures you’re covered. Plus, if your journey gets interrupted or your luggage is lost or damaged, you’ll be compensated. It’s a viable alternative to the coverage options offered directly at rental counters.

AAA annual plans

AAA’s annual policies offer a year-long coverage, encompassing both domestic and international travel. They are particularly fitting for frequent travelers. Using a hypothetical scenario of a 30-year-old from New Hampshire with a yearly travel budget of $15,000 starting in July 2020, AAA suggests four policy options. The top three among these are primarily designed with business travelers in mind.

AAA annual plans

AAA annual plans cost

The Annual Deluxe Plan, priced at $275, caters to travelers primarily seeking medical coverage during their overseas trips. If pre-trip cancellation benefits or safeguards for business equipment aren’t your primary concerns, and you already have some form of travel insurance via a credit card, this plan might be just right for you.

The trio of Annual Executive Plans, ranging from $500 to $785, differentiate based on their trip cancellation and interruption coverage levels – offering protection at $5,000, $7,500, or $10,000 tiers. Apart from this differentiation, the protections they offer are consistent across the board. Features such as business equipment insurance and its associated rental and delay protections are standard. If business travel is on your agenda, these plans are worth considering.

It’s worth noting that while all four plans provide annual coverage, individual trips must not surpass 45 days. For more extended journeys, spanning beyond 45 days, Allianz has the AllTrips Premier plan which covers trips up to 90 days.

Which AAA travel insurance plan is best for me?

Selecting the right insurance plan for your journey necessitates understanding the coverage you desire during your travels.

Suppose you possess a high-end travel card that already grants you substantial trip cancellation coverage. In that case, you might only need an independent emergency medical policy. To illustrate, The Business Platinum Card® from American Express provides trip cancellation benefits of $10,000 per journey and an annual limit of $20,000. Terms and conditions apply. Only the Annual Executive Plan at the $10,000 tier mirrors this cancellation coverage

On the other hand, if your card’s insurance falls short, you lack any coverage from a credit card, or you didn’t employ that card to fund your travels, you might lean towards a more holistic plan. This could be any of the single trip or annual policies, contingent on your travel aspirations.

For avid travelers embarking on multiple journeys within a year, the annual plans are more apt. But remember, each trip’s coverage duration under these plans is limited to 45 days. Should your adventures take you farther for more extended periods, exploring alternate plans would be prudent.

Is AAA travel insurance right for you?

How familiar are you with AAA’s travel insurance offerings? If you’re contemplating whether AAA’s trip insurance aligns with your needs, certain indicators can guide your decision. First and foremost, are you an existing AAA member? If yes, you might be overlooking various advantages that come with your membership.

Planning a trip soon? This could be another sign pointing towards considering AAA’s insurance. Adding travel insurance offers an extra cushion of security, making your journey smoother and ensuring peace of mind.

Maximize your AAA membership benefits. Instead of splurging on costly travel insurance elsewhere, ponder the value and potential savings of choosing a policy with AAA.

What isn’t covered by AAA travel insurance?

Travel insurance plans often come with specific exclusions that dictate the boundaries of your coverage. Commonly, these exclusions include:

High-risk endeavors: Activities perceived as dangerous by the insurer, such as skydiving, bungee jumping, heli-skiing, and other adrenaline-fueled sports.

Deliberate actions: Damages or losses resulting from drug consumption, alcohol intoxication, intentional self-injury, or unlawful activities.

Particular events: Some events, like epidemics, natural calamities, or wars, are explicitly mentioned in policies as not covered.

However, bear in mind that these exclusions can differ depending on the specific policy and your place of residence. Hence, a thorough examination of the policy details is crucial to gain clarity on the coverage scope.

Why choose the American Automobile Association (AAA)?

Founded as the American Automobile Association, AAA, often referred to as ‘Triple-A,’ pioneered the concept of roadside assistance, coming to the aid of stranded drivers as early as 1915. The organization stands tall on its commitment to ensure driver safety and offers a plethora of services to uphold that promise.

Being an AAA member brings along a suite of benefits: competitive rates, attractive discounts, and the reassuring knowledge that safety and support accompany you during your journeys, both near and far.

Frequently Asked Questions (FAQs)

Does AAA give you travel insurance?

For over 30 years, AAA has maintained a prestigious partnership with Allianz, offering its members reliable travel insurance solutions. Allianz Global Assistance is a subsidiary of Allianz SE, which stands as the world’s leading diversified insurance entity.

Can you use AAA in other countries?

Is AAA operational outside the U.S.? Indeed, AAA Members can avail roadside services in Canada and several other countries globally. To get detailed information on coverage and benefits in a specific country, it’s advisable to check the website of the AAA affiliate for that region before your visit.

Who underwrites AAA travel insurance?

Please note that terms, conditions, and exclusions are applicable. Depending on the insured’s state of residence, insurance benefits are underwritten by BCS Insurance Company or Jefferson Insurance Company. The licensed producer and administrator for these policies is AGA Service Company.

What does AAA charge for travel insurance?

The Classic Plan, priced at $140, and the Premier Plan at $174 share many similarities. However, the Premier Plan stands out by offering twice the coverage for emergency medical needs, as well as enhanced provisions for emergency transportation, trip delays, and baggage delay limits.

What is AAA travel advantage?

With AAA in your wallet, feel a sense of empowerment on every journey. By using the AAA Travel Advantage card for your transactions, you can benefit from some rewarding offers:

  • 5% Cash Back at Gas stations and Electric vehicle charging points.
  • 3% Cash Back on expenses at Grocery Stores, Dining, Travel, and AAA-related purchases.

How does AAA calculate rates?

Like many in the industry, AAA holds its risk-assessment algorithms for travel insurance close to its chest. Even so, when evaluating your insurance needs, AAA Travel Insurance is known to factor in various parameters such as the total expense of your journey, your chosen destination, trip duration, selected coverage limits, any additional riders you opt for, and the extent of medical coverage you choose.

Does AAA Travel Insurance use your credit score?

Indeed, in many jurisdictions where it’s permissible, travel insurance companies might use your credit score as a factor in determining your insurance rate. However, there are places where this practice is prohibited. Notably, residents of California, Hawaii, or Massachusetts benefit from regulations that prevent insurance companies from using credit reports as a rating criterion.


Navigating the intricacies of travel insurance can be challenging, but with trusted entities like AAA, travelers can find solace. AAA Travel Insurance, backed by decades of industry experience and a commitment to consumer protection, offers a range of policies tailored to diverse travel needs. While various factors influence premium rates, AAA remains transparent and consistent in its offerings. For those seeking a reliable shield against travel uncertainties, AAA Travel Insurance emerges as a strong contender. Safe travels begin with the right protection, and AAA ensures just that.