AAA Travel Insurance Review 2024

AAA Travel Insurance Review 2024

 AAA offers travel insurance policies in partnership with Allianz. The more robust policies include coverage for a missed port of call and free coverage for children under age 17. AAA travel insurance can be a good option for AAA members who want standard travel insurance benefits and who get other travel-related membership benefits, such as special vacation packages and hotel discounts.



What Does AAA Travel Insurance Cover?

The types of AAA travel insurance policies offered to you will depend on where you live. AAA travel insurance products and member benefits can vary by state.

Still, AAA’s travel insurance policies generally provide the following types of coverage that can help you recoup the nonrefundable money you’ve laid out for a trip if the unexpected happens. The medical insurance within AAA policies is also very important, especially if you’re traveling outside the U.S.

Trip cancellation coverage: Trip cancellation insurance reimburses you for prepaid, nonrefundable expenses—for example, hotel stays, flights and excursions—if you cancel your trip because of a problem that’s listed in the policy.

Travel medical insurance: This pays for emergency medical and dental expenses if you get sick or injured during your trip. Some of the costs that travel medical insurance can compensate you for include hospital bills, lab work and prescription medication, up to the policy’s medical coverage limit.

Emergency medical evacuation: If you need a high level of emergency care, emergency medical evacuation insurance pays for transportation to the nearest hospital that can treat your condition. If this happens, AAA’s travel agents will coordinate the transportation for you.

Travel delay insurance: Travel delay insurance pays for temporary accommodations if your trip gets delayed due to a problem listed in the policy. For example, if your flight gets delayed until the next day, your insurance will pay for a hotel room and meals, up to the plan’s coverage limit. Travel delay insurance also reimburses you for prepaid, nonrefundable travel expenses for missed portions of your trip. Note that required waiting periods apply to travel delay benefits.

Travel interruption insurance: If something happens during your trip and you need to leave early, trip interruption insurance can pay for your transportation home, such as a last-minute flight. It also compensates you for money lost on nonrefundable expenses for the part of your trip you miss.

Baggage and personal effects: If your luggage is damaged, lost or stolen, baggage insurance can pay you the depreciated value of your suitcases and the items you packed. If your baggage is delayed for the specified amount of time listed in your policy, baggage delay insurance can pay for the essentials you need before your baggage arrives, such as toiletries and clothing. Baggage insurance also provides coverage for your personal items that get damaged or stolen during your trip.

AAA Travel Insurance Plans

AAA sells travel insurance policies that are suitable for a wide range of budgets, trip types and coverage needs. All of AAA’s travel insurance plans are offered in partnership with Allianz Travel, a reputable travel insurance company with an A+ (Superior) financial strength rating from AM Best.

The types of AAA travel insurance policies available to you will depend on where you live, but four TripAssist plans are offered in many states.

Coverage typeTripAssist Choice BasicTripAssist Family Care PlanTripAssist Family Care Plan with Cancel AnytimeTripAssist Choice
Trip cancellation
100% of insured trip cost
100% of insured trip cost
100% of insured trip cost
100% of insured trip cost
Trip interruption
100% of insured trip cost
150% of insured trip cost
150% of insured trip cost
150% of insured trip cost
Emergency medical expense
$10,000
$25,000
$25,000
$50,000
Medical evacuation
$50,000
$500,000
$500,000
$1 million
Travel delay
$150 per day for a six-hour delay; $300 maximum
$200 per day for a four-hour delay; $800 maximum 
$200 per day for a four-hour delay; $800 maximum 
$200 per day after three-hour delay: $1,600 maximum
Baggage and personal effects
$500
$1,000
$1,000
$2,000
Baggage delay; with 12-hour wait
$200
$300
$300
$600
Change fee
No
$500
$500
$500
“Cancel for any reason”
No
No
No
No
“Cancel any time”
No
No 
Yes; up to 80% of trip cost
No

More About AAA Travel Insurance Plans

TripAssist Choice Basic

AAA’s TripAssist Choice Basic plan offers some protection while you’re  traveling, but it has the least amount of coverage out of AAA’s three travel insurance plans. This plan includes coverage for trip delays, trip cancellation (covered reasons only), emergency medical and dental care and medical evacuation.

TripAssist Family Care Plan

The AAA TripAssist Family Care Plan provides robust coverage while traveling, plus children under 17 are covered for free. It includes the same coverage types as the Choice Basic plan, but the limits are much higher.

The TripAssist Family Care plan also has change fee coverage, missed port of call coverage, vehicle return coverage and a dedicated concierge. You can get automatically reimbursed without providing receipts or filing a claim for incurred expenses due to flight and baggage delays and missed ports of call.

TripAssist Family Care Plan with ‘Cancel Anytime’ Benefits

AAA’s TripAssist Family Care Plan with Cancel Anytime is identical to the Family Care Plan. The coverage types and policy limits are the same.

The only difference is that this plan includes “cancel anytime” benefits: If you cancel your trip for almost any reason that the base policy doesn’t cover, you can get reimbursed for up to 80% of your nonrefundable trip costs. Read your policy for “cancel anytime” exclusions, which can include terrorist events and travel alerts issued by a government or public authority.

TripAssist Choice

The TripAssist Choice Plan from AAA doubles nearly all the post-departure coverage of the TripAssist Family Care Plan—including emergency medical and transportation benefits, baggage loss insurance, and more. It also can pay you proactively for covered travel and baggage delays and for missed ports-of-call and not require receipts for claims.

AAA Travel Insurance Add-Ons and Member Benefits

AAA doesn’t offer any travel insurance policy add-ons. However, there are a variety of benefits available exclusively for AAA members.

AAA members get access to special vacation and cruise packages. You can work with a dedicated AAA travel consultant to book your trip and plan excursions. There are also members-only discounts on car rentals and hotels, as well as dining and entertainment during your vacations.

In addition, AAA provides services you might need before your trip, like passport photos, visa services and help getting international driving permits. AAA also offers a reloadable prepaid credit card that can be used instead of cash when traveling abroad.

Which AAA Travel Insurance Policy Is Best for Me?

The best AAA travel insurance plan depends on your coverage needs and your budget.

Low Cost and Lower Benefit Limits

If you want the most basic coverage at the lowest price, the TripAssist Choice Basic is probably the best fit. It includes the most important coverages you need while traveling, such as trip interruption coverage and emergency medical coverage, but the limits are relatively low.

Best for Families

If you are traveling with your family and want higher reimbursement limits, the TripAssist Family Care Plan is a good choice. It provides more benefits and higher coverage limits than the basic plan, and children under 17 are covered for free.

The TripAssist Family Care Plan with Cancel Anytime provides the same benefits as the Family Care Plan, but has more robust cancellation benefits, which can be good if you have lots of prepaid, nonrefundable outlays.

Higher Benefit Limits

If you want the highest coverage limits, the TripAssist Choice plan is likely your best option. It has twice the coverage found in the Family Care Plan for nearly all benefits. For example, it provides travel medical expense benefits of $50,000 and medical evacuation benefits of $1 million.

Can You Buy AAA Travel Insurance Online?

You can purchase a AAA travel insurance plan online. To start the quote process, you’ll be asked to provide your home state, travel destination and dates, trip cost and the ages of the people traveling.

Then, you will get matched with the plans that best fit your travel needs. Once you select a plan, you can complete the purchase process online. You can also purchase a travel insurance plan through a AAA consultant in-person or over the phone.

What’s Not Covered by AAA Travel Insurance?

Every travel insurance plan has some exclusions. Before you take off, it’s a good idea to review your policy details to understand what isn’t covered.

Here are examples of exclusions for AAA’s TripAssist Family Care with Cancel Anytime policy:

  • Conviction of crimes you commit.
  • Injuries due to alcohol or drug use.
  • Intentional self-harm and self-inflicted injuries.
  • Known or foreseeable events, like weather and political unrest.
  • Mental health and nervous disorders.
  • Participation in extreme sports or activities.
  • Terrorist events.
  • Wars (declared and undeclared).

How to File a AAA Travel Insurance Claim

If you experience a problem while traveling that’s covered by the policy, you can file a claim with Allianz Global for reimbursement. You can start the claim process online by emailing claimsinquiry@allianzassistance.com. You can also call the claims department at (888) 497-6992  or (800) 334-7525 to file a claim over the phone.

You’ll be asked to provide a detailed summary of what happened and how much you want reimbursed. You will also need proof of your claim. This might include:

  • Receipts for necessary items if your luggage is delayed.
  • Confirmation emails for nonrefundable trip costs.
  • Notices of travel cancellation from your airline.
  • Photos of damaged personal items.
  • Doctor’s notes for emergency medical care you received.

After submitting your claim, Allianz Global will take at least 10 business days to review the incident. If the claims examiner needs more information, they’ll send you an email with a formal request for additional documentation.

If you want to check on a claim, you can check the status online by entering your claim number, or you can call the claims department.

Does AAA Travel Insurance Have 24/7 assistance?

One of the benefits of AAA travel insurance is that all policies come with 24/7 travel assistance. If you have any medical- or travel-related issues during your trip, call Allianz Global at (866) 884-3556 and mention your AAA travel insurance policy to get help with your problem.

AAA Travel Insurance Frequently Asked Questions (FAQs)

Does AAA travel insurance cover Covid?

Does USAA offer “cancel for any reason” coverage?

Does USAA cover pre-existing medical conditions?

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