American Automobile Association Travel Insurance

Traveling can be an exciting adventure, but it comes with its own set of risks and uncertainties. The American Automobile Association (AAA) offers travel insurance to help you protect your trip and gain peace of mind.

This guide will walk you through everything you need to know about AAA travel insurance, from coverage options to how to file a claim.

American Automobile Association Travel Insurance

What is AAA?

The American Automobile Association (AAA) is a federation of motor clubs throughout North America, providing various services to its members, including roadside assistance, travel services, insurance, and more. Founded in 1902, AAA has grown to become a trusted name in travel and automotive services.

AAA Travel Insurance

AAA travel insurance offers a range of plans to cover different aspects of travel, from trip cancellations and interruptions to medical emergencies and lost baggage.

These plans are designed to provide peace of mind to travellers, ensuring that unforeseen events do not ruin their trips.

What Does AAA Travel Insurance Cover?

AAA travel insurance provides comprehensive coverage options to safeguard your trip from unexpected events. Here’s a breakdown of what is typically covered:

Trip Cancellation Coverage: This insurance reimburses you for prepaid, nonrefundable expenses like hotel stays, flights, and excursions if you need to cancel your trip due to a reason specified in the policy.

Travel Medical Insurance: This covers emergency medical and dental expenses if you fall ill or get injured while traveling. It can pay for hospital bills, lab tests, and prescription medications up to the policy’s medical coverage limit.

Emergency Medical Evacuation: If you require urgent and specialized medical care, this insurance covers the cost of transportation to the nearest hospital equipped to handle your condition. AAA’s travel agents will coordinate this transportation for you.

Travel Delay Insurance: If your trip is delayed due to a covered reason, this insurance pays for temporary accommodations such as hotel stays and meals, up to the policy’s limit. It also reimburses you for prepaid, nonrefundable travel expenses for missed portions of your trip. Note that waiting periods apply before benefits kick in.

Trip Interruption Insurance: If you need to cut your trip short due to a covered reason, this insurance pays for your transportation home, like a last-minute flight. It also reimburses you for nonrefundable expenses for the part of the trip you miss.

Baggage and Personal Effects: If your luggage is damaged, lost, or stolen, this insurance compensates you for the depreciated value of your belongings. If your baggage is delayed beyond the time specified in your policy, it covers the cost of essential items like toiletries and clothing. Additionally, it covers personal items that get damaged or stolen during your trip.

AAA Travel Insurance Plans

AAA offers several travel insurance plans to cater to different types of travelers and trips. Here are the main plans:

Single Trip Plans: Designed for one-time travelers, these plans cover a specific trip and provide comprehensive benefits.

Annual/Multi-Trip Plans: Ideal for frequent travelers, these plans offer coverage for multiple trips taken within a year.

Specialty Plans: These include coverage for specific needs such as adventure travel, cruises, or luxury trips.

More About AAA Travel Insurance Plans

Single Trip Plans:

  • Single Trip Plans provide extensive coverage for one specific trip. This includes:
  • Trip Cancellation and Interruption
  • Emergency Medical and Dental
  • Baggage Protection

Travel Delay

  • These plans are perfect for family vacations, business trips, or any one-time travel plans.
  • Annual/Multi-Trip Plans
  • Annual or Multi-Trip Plans cover multiple trips over a year. Benefits typically include:
  • Medical Coverage: Ensures you are protected on every trip you take within the year.
  • Trip Cancellation/Interruption: For all your trips, ensuring ongoing coverage.

Baggage Protection and Travel Delay: For each trip throughout the year.

Specialty Plans

Specialty Plans are tailored to specific travel needs:

  • Adventure Travel: Covers high-risk activities like skiing, scuba diving, and hiking.
  • Cruise Travel: Includes additional protections specific to cruise travel, such as missed port-of-call coverage.
  • Luxury Travel: Provides higher coverage limits and benefits for more expensive trips.

AAA Travel Insurance Add-Ons and Member Benefits


AAA travel insurance policies can be enhanced with add-ons for extra protection:

  • Cancel for Any Reason (CFAR): Allows you to cancel your trip for any reason not covered by standard insurance and receive partial reimbursement.
  • Rental Car Protection: Covers damages to a rental car during your trip.
  • Adventure Sports Coverage: Ensures coverage for activities typically excluded, like extreme sports.

Member Benefits

AAA members often receive additional perks, such as:

  • Discounted Premiums: Lower costs for travel insurance plans.
  • Higher Coverage Limits: Increased protection for certain coverages.
  • Exclusive Services: Access to specialized travel assistance and support.

Which AAA Travel Insurance Policy Is Best for Me?

Choosing the right travel insurance policy depends on your travel needs:

  • Occasional Travelers: A Single Trip Plan is ideal for those who travel once or twice a year.
  • Frequent Travelers: An Annual/Multi-Trip Plan offers convenience and comprehensive coverage for multiple trips.
  • Adventure Seekers: Specialty Plans with adventure sports coverage ensure you’re protected during high-risk activities.
  • Cruisers: A Cruise Travel Plan is tailored to the unique needs of cruise vacations.

Consider your travel frequency, destinations, activities, and budget when selecting a policy.

Can You Buy AAA Travel Insurance Online?

Yes, you can conveniently purchase AAA travel insurance online. The process is straightforward:

  • Visit the AAA Website: Go to the AAA travel insurance section.
  • Get a Quote: Enter your trip details to receive a personalized quote.
  • Choose a Plan: Review the available plans and select the one that best fits your needs.
  • Purchase: Complete the purchase process online. You’ll receive your policy documents via email.

Purchasing online provides quick access to coverage and allows you to review and compare plans at your own pace.

What’s Not Covered by AAA Travel Insurance?

While AAA travel insurance covers a wide range of scenarios, some exclusions apply:

  • Pre-Existing Medical Conditions: Unless a waiver is purchased, pre-existing conditions are typically not covered.
  • High-Risk Activities: Some plans exclude activities like extreme sports unless you purchase additional coverage.
  • Travel Against Government Advice: Trips to areas with travel advisories are often not covered.
  • Intentional Acts: Losses resulting from illegal activities or self-harm are excluded.
  • War and Civil Disorder: Incidents caused by war, terrorism, or civil unrest are generally not covered unless specified.

Always read the policy details to understand what is and isn’t covered.

How to File a AAA Travel Insurance Claim

Filing a claim with AAA travel insurance is a straightforward process:

Step-by-Step Guide

  • Contact AAA: Notify AAA as soon as possible about your claim. Use the 24/7 assistance hotline if necessary.
  • Gather Documentation: Collect all relevant documents, such as receipts, medical reports, and proof of loss or delay.
  • Complete Claim Form: Fill out the required claim form, providing detailed information about the incident and expenses incurred.
  • Submit Claim: Send the completed form and supporting documents to AAA. This can usually be done online, by mail, or by fax.
  • Follow Up: Keep track of your claim status and provide any additional information requested by AAA.

Tips for a Smooth Claim Process

Act Promptly: Report your claim as soon as possible.

Be Thorough: Provide complete and accurate information.

Keep Records: Maintain copies of all documents and communications.

Does AAA Travel Insurance Have 24/7 Assistance?

Yes, AAA travel insurance includes 24/7 assistance for emergencies and travel-related issues. This service is crucial for providing support when you need it most, offering help with:

  • Medical Emergencies: Arranging medical care and evacuations.
  • Travel Arrangements: Helping with rebooking flights, finding accommodations, and coordinating transportation.
  • Lost Documents: Assisting in replacing lost or stolen passports and travel documents.
  • General Inquiries: Providing information and support for various travel-related concerns.


Is AAA travel insurance available to non-members?

Yes, non-members can purchase AAA travel insurance, but members may receive additional benefits and discounts.

How do I know which plan is right for me?

Consider your travel frequency, destination, type of activities, and budget. Single Trip Plans are great for one-time travelers, while Annual/Multi-Trip Plans suit frequent travelers.

Can I cancel my AAA travel insurance policy?

Policies can usually be canceled within a specified period for a full refund. After that, cancellations may be subject to fees.

How do I add Cancel for Any Reason (CFAR) coverage?

CFAR coverage can be added at the time of purchasing your policy. Be aware that it typically costs extra and must be purchased within a certain period after your initial trip deposit.

What should I do if I have a medical emergency while traveling?

Contact AAA’s 24/7 assistance hotline immediately. They will help arrange medical care and coordinate any necessary services.

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