AAA travel insurance Review: Pros, Cons, & Alternatives (2024)
Travel with peace of mind and safeguard your trip with AAA travel insurance. Whether you're planning a vacation or embarking on a business trip, AAA offers comprehensive coverage to protect your travel investments. choose AAA travel insurance for protection and savings. Enter your zip code now to compare rates from top insurance providers and secure your journey today.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
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UPDATED: Mar 11, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Welcome to our comprehensive guide on AAA Travel Insurance for Protection and Savings. In this article, we will delve into the benefits of AAA travel insurance and how it can safeguard your trips while helping you save money. We’ll explore key topics such as trip cancellation/interruption coverage, emergency medical expenses, and lost baggage protection.
- There are three types of major AAA memberships and depending upon which one you select, you might be eligible for travel insurance
- AAA travel insurance policies are provided by Allianz Global Assistance
- With AAA’s cancel for any reason (CFAR) travel insurance policy, a member can cancel at any time and receive a refund of up to 75%
Whether you’re planning a vacation or a business trip, AAA travel insurance provides peace of mind and financial security. As a trusted provider with exclusive discounts and benefits for AAA members, they ensure you’re covered for unexpected events that could disrupt your travel plans. To find the best rates and compare quotes from top insurance providers, simply enter your zip code and secure your journey today.
Is AAA travel insurance right for you?
Just how much do you know about AAA travel insurance? If you’re wondering how you can tell if trip insurance from AAA will be a good investment for you, a few signs can help you determine if it will be ideal for your lifestyle. For starters, are you already a AAA member? If so, you are missing out on the many benefits already made available to you through the company.
Another sign that AAA insurance may be a good idea is if you have a trip coming up. Travel insurance is an added layer of protection that can make traveling less stressful and the right coverage can provide peace of mind.
Get the most out of your AAA membership, and instead of wasting money and paying high prices for travel insurance, consider a travel insurance policy with AAA.
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What is travel insurance?
Travel insurance is a policy that can protect individuals from common issues that can take place during their travels. According to the U.S. Travel Insurance Association, Americans spend around $3.8 billion on travel protection. It is the only way to ensure that you’ll receive financial support during expensive emergencies.
Here are some examples of what travel insurance covers:
- Travel insurance can cover you for last – minute trip cancellations.
- Travel insurance can cover delayed, lost, or stolen luggage.
- Travel insurance can cover you during medical emergencies that take place far away from home.
- Travel insurance may also provide rental car coverage or cover hotel reservations that must be rescheduled due to an emergency or safety issues.
Although it is not required by law to have travel insurance, the peace of mind it can provide will make you feel good about protecting your travel investments.
CFAR Travel Insurance Add-On
In addition to the basic travel benefits offered, AAA also allows users to select an AAA cancel for any reason (CFAR) travel insurance policy. These plans enable members to cancel their traveling arrangements for any reason. Regardless of why you have canceled the trip, the company will reimburse around 75% of the expenses.
While these coverage options may be convenient, it is generally more expensive than traditional travel insurance plans.
Why choose the American Automobile Association (AAA)?
The American Automobile Association, also known as AAA, or triple A, was the first company to provide roadside assistance to a stranded driver in 1915. The company takes pride in its ability to help keep drivers safe on the road or offer services and resources that can achieve this task.
An AAA membership can reward its policyholders with low rates, great discounts, and comfort in knowing they will be safe during their travels on the road and beyond.
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Types of AAA Membership
There are three major types of membership offered by the AAA that an individual can choose from.
AAA Classic Membership
This membership costs $50 a month, and it includes a Hertz gold membership, emergency fuel delivery (free of charge), exclusive membership discounts, extrication service, free TripTik routings, tour book guides, AAA maps, and lock and key service with up to $50 in reimbursement.
In addition, the classic membership can provide members with the following:
- Passport photos at a special member rate
- Service calls (4 free calls annually per member)
- Towing mileage (3 free miles per call)
- Trip interruption insurance with up to $300 and a $1,000 theft reward
Triple A also provides a 24-hour toll-free line to all of its members with dedicated representatives available to help at any time.
AAA Plus Membership
This membership costs $91 a year, and it includes a Hertz gold membership, emergency fuel delivery (free of charge), exclusive membership discounts, extrication service, free TripTik routings, tourbook guides, AAA maps, and lock and key service with up to $100 in reimbursement.
In addition, the plus membership can provide members with the following:
- Passport photos (up to three free sets per membership)
- Service calls (4 free calls annually per member)
- Towing mileage (100 free miles per call)
- Travel accident insurance
- Trip interruption insurance with up to $600 in reimbursement and a $2,000 theft reward
The plus membership also includes access for its members to the 24-hour toll-free line.
AAA Premier Membership
This membership costs $119 per year, and it includes a Hertz gold membership, concierge service, emergency fuel delivery (free of charge), exclusive membership discounts, extrication service, free TripTik routings, tourbook guides, AAA maps, home lockout service with up to $100 a year in reimbursement, and lock and key service with up to $150 in reimbursement.
Read more: Best Business Insurance for Concierge Services
In addition, the premier membership can provide members with the following:
- Passport photos (up to three free sets per membership)
- Service calls (5 free calls annually per member)
- Towing mileage (100 free miles per call)
- Travel accident insurance
- Travel assistance insurance
- Trip interruption insurance with up to $1,500 in reimbursement and a $3,000 theft reward
- 24-hour toll-free line
An added benefit included in the premier membership is vehicle return service. Members can receive up to $500 in reimbursement if they are stricken with an illness that causes them not to be able to complete a trip.
AAA also has plus memberships and premiere memberships available for RV members. Fifth-wheel trailers, motor homes, motorcycles, pickup trucks, and travel trailers are vehicles that can also be covered under an RV plan.
How can I upgrade or cancel my AAA membership?
Looking to make changes to your membership with AAA? The best way to do this would be to contact the company’s membership department via telephone.
However, if you plan on upgrading your membership with AAA to take advantage of the travel insurance benefits, it can take some time before you can get started. The average wait time before an upgrade can take full effect is seven business days.
It is essential for you to know that if you are canceling your services with AAA, once your membership has been terminated, the company’s discounts, incentives, and benefits will no longer be available to you.
What other insurance benefits does AAA offer?
In addition to travel insurance, AAA has other insurance policies available for its members:
- AAA accident insurance
- AAA medical insurance
- AAA home/condo insurance
- AAA life insurance coverage
- AAA renters insurance
These policies are offered to AAA members at affordable rates and there are several discounts and promotions available.
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An Overview of AAA Travel Insurance
Now that you know how AAA travel insurance works and what it can offer you, do you think it’s a good fit for your lifestyle? Travel insurance is a good investment that can help keep your belongings safe if you travel often.
If you are already a plus or premier member, your membership can guarantee a travel insurance rate much lower than if you were to purchase it on your own.
Frequently Asked Questions
What is AAA Travel Insurance for Protection and Savings?
AAA Travel Insurance for Protection and Savings is an insurance product offered by AAA that provides coverage for various types of travel-related issues, including trip cancellations, emergency medical expenses, and lost or stolen baggage. The insurance is designed to protect travelers from financial losses and provide peace of mind while traveling.
What types of coverage are included in AAA Travel Insurance for Protection and Savings?
AAA Travel Insurance for Protection and Savings typically includes coverage for trip cancellations or interruptions, emergency medical and dental expenses, accidental death and dismemberment, and lost or stolen baggage. Depending on the specific plan, coverage may also be available for travel delays, rental car damage, and other travel-related issues.
How much does AAA Travel Insurance for Protection and Savings cost?
The cost of AAA Travel Insurance for Protection and Savings varies depending on several factors, including the level of coverage you choose, the duration of your trip, and the number of travelers included in the policy. AAA members may be eligible for discounts on their insurance premiums.
Can I purchase AAA Travel Insurance for Protection and Savings for a single trip, or do I need an annual policy?
AAA Travel Insurance for Protection and Savings is available for both single trips and annual policies. If you only travel occasionally, a single trip policy may be more cost-effective. However, if you travel frequently, an annual policy may be a better option.
Do I need AAA Travel Insurance for Protection and Savings if I already have health insurance?
While your health insurance may provide some coverage for emergency medical expenses while traveling, it may not cover all of the costs associated with an overseas medical emergency. AAA Travel Insurance for Protection and Savings can provide additional coverage for medical expenses, as well as coverage for other travel-related issues.
Are there any exclusions or limitations to AAA Travel Insurance for Protection and Savings?
Yes, there are exclusions and limitations to AAA Travel Insurance for Protection and Savings. Some common exclusions include pre-existing medical conditions, pregnancy-related issues, and injuries sustained while participating in certain activities such as extreme sports. It’s important to read the policy carefully to understand what is and isn’t covered.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.