AAA Travel Insurance for Protection and Savings

AAA travel insurance can be a great option to help you protect your belongings and save money in the long run. In order to qualify for travel insurance with AAA, you must have a plus membership or a premier membership.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 5, 2022

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The Rundown

  • 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%

For over 120 years, triple A has been a source of comfort and relief for drivers. But did you know that the company also has travel insurance that can provide that same level of comfort to you while you are en route to a vacation destination, or traveling across the country to visit a friend.

Are you interested in AAA travel insurance and curious to know how it can help protect your travel investments and save you money? In this article, we will be discussing AAA and the travel insurance benefits it has available for select members.

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.

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.

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