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AAA Travel Insurance Review 2024: Is it Worth the Cost?

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does AAA travel insurance cover?

Aaa single-trip plans, aaa annual plans, which aaa travel insurance plan is best for me, can you buy aaa travel insurance online, what isn’t covered by aaa travel insurance, aaa travel insurance, recapped.

insurance-product-card-logo

  • You don't need to be an AAA member.
  • Annual or single-trip policies are available.
  • Can add on a Rental Car Damage protector plan.
  • Cheapest option doesn't include medical coverage.
  • CFAR upgrade is only available for higher-cost plans.

Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance.

The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

» Learn more: The majority of Americans plan to travel in 2022

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans.

aaa travel insurance quote example

* Higher limit requires receipts to be submitted.

AAA single-trip plans cost

The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

The Basic Plan ($111) includes all the features of the Essential Plan, along with medical coverage and some increased protections for baggage and travel delays.

The Classic ($140) and Premier Plans ($174) are nearly identical, but the latter provides double emergency medical coverage, emergency transportation, trip delay and baggage delay limits.

The Classic Plan offers a "cancel for any reason" optional upgrade for $71, which would bring the total to $211.

There is also a Rental Car Damage protector plan for $135, which provides $1,000 of trip interruption and baggage loss coverage and $40,000 of rental car damage and theft benefits. This plan will cover your costs if the rental car is stolen or damaged. In addition, you’ll be reimbursed for the unused portion of your trip and if your bags are lost or damaged. This plan offers an alternative to purchasing coverage at the rental counter.

» Learn More: Cancel For Any Reason (CFAR) travel insurance explained

The annual policies provide 365 days of domestic and international coverage and are best suited for those who travel often. To see which plans are available, we input a $15,000 annual travel budget for coverage starting in July 2020 for a 30-year-old from New Hampshire. For this itinerary, AAA is offering four policies, with the three higher-end plans geared toward business travelers.

example travel insurance quotes aaa

AAA annual plans cost

The Annual Deluxe Plan ($275) is designed for those who aren’t too concerned with pre-trip cancellation benefits or business equipment protections and are more interested in medical coverage while abroad. If you already have some travel insurance through a credit card, this plan may be sufficient.

The next three Annual Executive Plans ($500-$785) are tiered based on the amount of trip cancellation and interruption coverage provided ($5,000, $7,500 or $10,000). All the other protections under the Executive Plans are identical. All three plans include business equipment coverage as well as business equipment rental and delay protections. If you’re traveling for work, these plans may be your best bet.

Although all four of these are annual plans, no individual trip can exceed 45 days. For trips longer than 45 days, Allianz offers an AllTrips Premier plan , which provides coverage for up to 90 days per trip.

» Learn more: What to know before buying travel insurance

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling.

If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals.

If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Yes, you can buy AAA Travel Insurance onlince. Head over to Agentmaxonline.com , input your trip details and choose “Get Quote” to see a list of available plans.

aaa health insurance for international travel

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

» Learn more: Will travel insurance cover winter weather woes?

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.

The cost of a travel insurance policy depends on many factors , including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it .

The cost of a travel insurance policy

depends on many factors

, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit

AAA’s travel insurance site

and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if

travel insurance is worth it

AAA was found to be one of the best travel insurance companies according to NerdWallet's most recent analysis.

Before shopping for a policy, check to see what coverage you may already have. Some premium credit cards provide travel insurance. If you hold one of these credit cards and the coverage limits are adequate, you may only need a standalone emergency medical insurance policy . However, if your credit card doesn’t cover you sufficiently, a comprehensive travel insurance plan might be the right choice. AAA offers a few plans to pick from, but the choices boil down to annual or single-trip insurance plans.

No matter what type of traveler you are, AAA offers various trip insurance options to choose from. Rates and options vary by state, so be sure to input your information into the online tool.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

aaa health insurance for international travel

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Allianz Global Assistance

Go with a global leader

Allianz Global Assistance is a world leader in the travel insurance and assistance industry because they help protect travelers if they need to cancel before a vacation—or need help during their trip. With award-winning 24/7 travel assistance in 70 languages, you can get help anytime, anywhere. For peace of mind wherever you go , talk to your AAA Travel Agent about travel insurance with exclusive Member benefits—plus proactive SmartBenefits SM and the free TravelSmart™ app. Travel safe. Travel smart. Travel with AAA and Allianz.

aaa health insurance for international travel

Top 10 Reasons People Buy Travel Insurance

1. Life is unpredictable. Some trips need to be cancelled. With travel insurance, you don’t necessarily have to pay for a trip you are unable to take. 2. Nearly 3 million bags were lost, late or damaged by airlines in 2022. Allianz Global Assistance can provide benefits to replace needed items if your bags are delayed, damaged or stolen. 3. Credit card coverage may not provide sufficient coverage for travel. The free coverage that may or may not be included with your credit card will never be as extensive as a separate travel insurance plan. 4. Sick happens. Nothing can ruin a vacation like getting sick. Travel insurance can provide you with peace of mind – especially when travel outside the United States, where many hospitals request cash payments in the thousands before treatment can even begin. 5. Health insurance may not go the distance. The majority of U.S. health insurance policies (including Medicare and Medicaid) don’t cover international travel. And, those that do will likely not cover the cost of medical evacuation back to the U.S. which can cost more than $50,000. 6. Lost or forgotten medication? Travel insurance can provide assistance to assist you in locating a pharmacy to purchase a new prescription. 7. Even the most stable of travel suppliers can default quickly. If a cruise line, airline or tour operator ceases operations due to financial hardship or bankruptcy, travel insurance can save you from paying for a trip you’ll never get to take. 8. In the event of an emergency, airlines are not required to refund a ticket. It’s ultimately the airline’s decision whether a traveler’s situation warrants a full refund of the ticket cost. Most times however, airlines will merely offer a credit voucher (the original purchase price minus a penalty fee) towards future travel. 9. Flight delays can add up. It is not the airline’s responsibility to cover costs associated with delayed flights or refund money due to missed connections. Travel insurance can reimburse you for costs associated with these, including rebooking fees, meals and accommodations. 10. We all experience tough economic times. The loss of a job or other income might mean a trip planned in advance may have to wait. Travel insurance can put cash back into your hands when you need it most.

Three women having fun and jumping into the pool, on vacation in Majorca, Spain.

Online Plans

Allianz plans offer generous protection for all domestic and international travel. Most plans feature trip cancellation and primary emergency medical benefits, 24-hour travel assistance, and optional benefits to tailor the plan to your travel needs. Allianz is the perfect companion for your perfect vacation. Kids Are Free Kids 17 and under are covered for free* on select plans when traveling with a parent or grandparent.

Mother and son packing up a rental van in France where they are vacationing to. They are standing in a car park at an airport in the sun.

Car Rental Protector

We’ve created a solution to save you time and money at the car rental counter. Rental Car Protector provides primary benefits for covered collision, loss and damage up to $50,000, along with 24-hour emergency assistance.

Mother and son packing up a rental van in France where they are vacationing to. They are standing in a car park at an airport in the sun.

Additional Options

  • Theme Park Protection – Custom benefits for vacations to U.S. theme parks.
  • Enhanced Insurance – Higher level of benefits, perfect for longer trips, international trips, or to have the ultimate peace of mind.
  • Annual Insurance Plans – Designed to provide ongoing benefits for frequent travelers.
  • Don’t see the travel protection you want? Speak to one of our agents as other plans are available.

Terms, conditions, and exclusions apply. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected].

*Kids 17 and under free is available on select plans. Not available on policies issued to Pennsylvania residents.

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COMMENTS

  1. AAA Travel Insurance Review: Is it Worth It? - NerdWallet">AAA Travel Insurance Review: Is it Worth It? - NerdWallet

    What does AAA travel insurance cover? AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans...

  2. AAA Travel Insurance | Comprehensive Coverage for Your Trips | AAA">AAA Travel Insurance | Comprehensive Coverage for Your Trips | ...

    Stay protected on your travels with AAA Travel Insurance. Get comprehensive coverage for trip cancellations, medical emergencies, and more. Join AAA now!

  3. Travel Medical Insurance | AAA Northeast">Travel Medical Insurance | AAA Northeast

    Provides up to $2,000,000 of medical coverage. Coverages available from 10 days (min.) to 2 years (max.) Covers business or leisure travel Includes medical evacuation, repatriation, and your choice of deductibles and policy limit Daily rates available after 10 days. select a plan & buy.

  4. Travel Insurance - AAA">Travel Insurance - AAA

    Travel Insurance. Whether you're traveling internationally or within the United States, AAA members have access to travel insurance which could help with non-refundable costs if you have to cancel your trip.

  5. AAA Travel Insurance Review 2024: Pros and Cons - Forbes">AAA Travel Insurance Review 2024: Pros and Cons - Forbes

    Pros. Children under 17 are covered for free on Family Care plans. Excellent travel delay waiting periods. Exclusive perks and coverage for AAA members. Automatic compensation for travel...

  6. International Insurance Plan - AAA">International Insurance Plan - AAA

    International travel can be an exciting adventure, but it can also bring many unpredictable situations if you should need medical care while you're abroad. We provide US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system.

  7. Travel Insurance | AAA Northeast">Travel Insurance | AAA Northeast

    Trip Protect Select. Prepares you for the unexpected with generous levels of protection for domestic and international travel. It’s the ideal travel companion with features like trip cancellation protection, emergency medical benefits, 24-hour emergency assistance, and more.

  8. International Travel Information | AAA Travel">International Travel Information | AAA Travel

    International Travel Information | AAA Travel. International travel. Prepare yourself before going abroad. Before heading overseas, cross off every item on your international travel checklist. AAA has helpful information, resources, and tips to prepare you for your adventure abroad. Travel services. Passport and travel visa services.

  9. Travel Insurance Plans | AAA Club Alliance">Travel Insurance Plans | AAA Club Alliance

    The majority of U.S. health insurance policies (including Medicare and Medicaid) don’t cover international travel. And, those that do will likely not cover the cost of medical evacuation back to the U.S. which can cost more than $50,000. 6. Lost or forgotten medication?

  10. Travel Insurance | Get AAA Travel Insurance">Allianz Travel Insurance | Get AAA Travel Insurance

    Travel Insurance Through AAA. Get an Online Quote. Plan for your trip's unplanned turns with travel insurance. AAA exclusive plans. With a AAA-exclusive TripAssist or TripProtect plan from our trusted travel insurance partner Allianz Global Assistance, you can relax before and during your trips knowing you’re protected in case of: