Does AAA Offer Travel Insurance? Everything You Should Know

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Does AAA Offer Travel Insurance? Yes, AAA covers travel insurance.

Are you thinking about going on a trip soon? If yes. That’s great news to hear.

Planning vacations can be exhausting – booking hotels, arranging transportation, packing, and the endless check-ins everywhere. It can be overwhelming!

Whether you’re traveling alone, with family, or with friends, it’s easy to forget things. It’s normal, right?

One crucial thing not to forget is travel insurance. It’s your safety net for unexpected delays or issues happens.

Finding the right insurance that fits your travel plans is the key to a stress-free journey.

If you’re part of the many people with an AAA membership, you probably know they offer great deals on travel and insurance. 

They even have travel agents to help plan your vacation and score you discounts on hotels, flights, and more. 

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Does AAA offer travel insurance?

Yes, AAA does offer travel insurance through its partnership with Allianz. 

They provide four different plans

  • Essential, 
  • Basic, 
  • Classic, and 
  • Premier

Each offers varying degrees of coverage. Here’s a breakdown of what each plan offers:

PlanCostChange Fee CoverageLoyalty Program Redeposit Fee CoverageTravel/Trip DelayBaggage CoverageBaggage Delay CoverageEmergency TransportationEmergency Medical/Dental Coverage
Essential$87.00Not specifiedNot specifiedNot specifiedNot specifiedNot specifiedNot specifiedNot specified
Basic$117.00$500Not specifiedNot specified$500Not specified$50,000$10,000
Classic (RTW)$204.00$500$500$800$1,000$300$500,000$25,000

Essential Plan – $87.00

Basic Plan – $117.00

Classic Plan – $168.00

Classic Plan (RTW) – $204.00

Premier Plan – $279.00

Consider your travel needs and choose the plan that best suits your requirements and budget.

The Basic Plan

The Basic Plan covers essential aspects like trip cancellation, trip interruption, medical coverage, travel delay, and protection against baggage loss. 

It’s a straightforward package that ensures you’re covered for the basics.

The Classic Plan

Similar to the Basic Plan, the Classic Plan adds coverage for points and miles reinstatement fees. There’s no deductible for emergency medical or dental treatment, which is a plus compared to the Basic Plan. 

The Classic Plan also offers concierge assistance and higher limits for various situations like trip interruption, travel delay, lost baggage, baggage delay, emergency transportation, and emergency medical and dental.

The Classic Plan + CFAR (Cancel For Any Reason)

The Classic Plan comes with an optional upgrade called CFAR (Cancel For Any Reason), available for an extra cost. 

This add-on provides reimbursement for a percentage of the pre-paid, non-refundable cost of your trip if you need to cancel for any reason.

The Premier Plan

The Premier Plan is almost the same as the Classic Plan but comes with higher limits for travel delay, lost baggage, baggage delay, emergency transportation, and emergency medical and dental. 

It offers an extra layer of coverage for those who want added peace of mind during their travels.

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Which AAA Travel Insurance Plan is Right for Me?

You know what?

Finding the best AAA travel insurance plan depends on what kind of coverage you need for your trip.

Premium Travel Card Holders

If you have a high-end travel card that already covers trip cancellations well, you might only need a separate emergency medical policy. 

For instance, the Business Platinum Card from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. 

Only the Annual Executive Plan ($10,000) provides a similar level of trip cancellation coverage.

No Card Coverage or Insufficient Coverage

If your credit card coverage isn’t enough or you don’t have any coverage through your card, and you didn’t pay for your trip with that card, then going for a comprehensive plan, either a single or annual trip plan, might be a better fit based on your travel goals.

Long-Term Travelers

If you’re someone who travels frequently and expects to take multiple trips, the annual plans could be your best bet.

However, keep in mind that each trip’s coverage is limited to 45 days. 

If your travels keep you away for longer, exploring other options might be a good idea.

Based on needs you need to choose the plan. 

What Does AAA Travel Insurance Cover?

The coverage you get from AAA travel insurance depends on where you live, as it can vary by state. 

But in general, AAA’s travel insurance typically includes the following types of coverage to help you recover money you’ve spent on a trip if unexpected issues arise. The medical insurance part is especially crucial when traveling outside the U.S.

Trip Cancellation Coverage

This insurance reimburses prepaid, nonrefundable expenses like hotel stays, flights, and excursions if you cancel your trip due to a covered problem.

Travel Medical Insurance

Covers emergency medical and dental expenses incurred during your trip, including hospital bills, lab work, and prescription medication, up to the policy’s medical coverage limit.

Emergency Medical Evacuation

If you require high-level emergency care, this insurance covers transportation to the nearest hospital equipped to treat your condition. AAA’s travel agents will coordinate this if needed.

Travel Delay Insurance

Pays for temporary accommodations if your trip is delayed due to a covered issue. For instance, if your flight is postponed until the next day, the insurance covers a hotel room and meals, up to the plan’s coverage limit. It also reimburses prepaid, nonrefundable travel expenses for missed portions of your trip, with waiting periods applicable.

Travel Interruption Insurance

If something happens during your trip, necessitating an early departure, this insurance covers transportation home, such as a last-minute flight. 

It also compensates for money lost on nonrefundable expenses for the missed part of your trip.

Baggage and Personal Effects

Baggage insurance compensates for damaged, lost, or stolen luggage, providing the depreciated value of your items. 

In case of baggage delay for the specified time listed in your policy, the insurance covers essentials like toiletries and clothing. 

It also provides coverage for personal items damaged or stolen during your trip.

Wrap Up

Yes, AAA does offer travel insurance! They have different plans like Essential, Basic, Classic, and Premier to fit various travel needs. 

Whether you travel a little or a lot, AAA’s got you covered. Choosing the right plan ensures you’re protected during your trips, covering unexpected issues. 

So, if you’re planning to hit the road or take to the skies, remember that AAA has travel insurance options to make your journey worry-free and your adventures even more enjoyable. Travel with confidence, knowing AAA has your back!

Frequently Asked Question

Does AAA offer travel insurance?

Yes, AAA provides travel insurance in partnership with Allianz. Plans include Essential, Basic, Classic, and Premier, each with different coverage and costs.

Which AAA plan is right for me?

Choose based on your needs. Premium cardholders may prefer emergency medical coverage, while others may find comprehensive plans suitable. Annual plans suit long-term travelers with a 45-day limit per trip.

What does AAA cover?

AAA covers trip cancellation, medical expenses, emergency evacuation, travel delay, interruption, and baggage protection. Coverage details may vary by state.

How to decide on the right plan?

Consider card coverage, trip duration, and specific needs. Premium cardholders focus on medical coverage, while others may prefer comprehensive or annual plans for frequent travel.

Can I customize my AAA plan?

While AAA offers various plans, customization options may be limited. Review each plan’s details to select the one that aligns with your travel needs and budget.


To understand AAA’s travel insurance offerings, we explored the plans they provide through their partnership with Allianz. By breaking down each plan’s cost and coverage, we aimed to simplify the decision-making process for potential travelers. 

The way we do things is by sharing the info simply and clearly. This helps you understand all the details about each plan easily. So, you can make smart choices that fit your travel needs.

Jesuraj S

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