AAA Travel Insurance Plans:
AAA doesn’t offer travel insurance directly under their brand, but they partner with Allianz Global Assistance to provide TripProtect travel insurance plans. TripProtect insurance plans include various coverages of your choice (Classic or Premier). Generally, they can cover:
- Trip Cancellation/Interruption: Will pay the cost you prepaid, if your trip is canceled before departure, or you have to end your trip earlier due to reasons like getting ill, injured, weather, or natural disasters.
- Emergency Medical/Dental: This covers additional medical expenditures like hospitalization or medical procedures in case you become sick or hurt while traveling outside the country.
- Medical Evacuation/Repatriation: That pays you the fare to take you to the advanced first aid center in emergencies.
- Travel Delay: Compensates you for additional expenses experienced during the coverage, (for example, meals, accommodations).
- Baggage Coverage: Refunds you for lost, stolen, or damaged luggage and stuff.
- Missed Connection Coverage: Provides coverage in a situation when you missed an onward flight for a covered reason (Like illness, accidental death, adverse weather, etc).
How Much Does AAA Travel Insurance Cost:
The cost of these travel insurance plans depends on several factors:
- Type of Plan: Those plans vary in benefits and value to meet the needs of every AAA customer (Classic, Premier). To sum it all up: the more coverage you get, the higher premiums will be.
- Trip Cost: The total cost of your prepaid trip expenses (flights, hotels, tours) is a factor. More expensive trips typically require higher insurance premiums.
- Your Age: One of the reasons for the increased premiums is the age factor, especially for those who approaching older age and have a higher risk of needing medical care while traveling.
- Trip Duration: Longer trips are more expensive to insure than shorter trips.
- Optional Add-Ons: You can add features like “Cancel for Any Reason” coverage for an additional fee.
AAA Single Trip Plans:
Here’s a comparison of Classic and Premier plans:
| Coverage | Classic Plan | Premier Plan |
|---|---|---|
| Trip Cancellation/Interruption | Up to purchased amount | Up to 150% of the purchased amount |
| Travel Delay | $800 | $1,600 |
| Baggage Coverage | $1,000 | $2,000 |
| Baggage Delay | $300 | $600 |
| Emergency Medical/Dental | $50,000 | $50,000 |
| Emergency Transportation | $500,000 | $1,000,000 |
| Change Fee Coverage | $500 | $500 |
| Loyalty Program Redeposit Fee Coverage | $500 | $500 |
| Estimated Cost | ~$140 | ~$174 |
AAA Annual Plans:
AAA’s annual membership structure consists of three tiers: Classic, Plus, and Premier, each with increasing benefits and annual fees.
| Feature | Classic (Around $64.99/year) | Plus (Around $99.99/year) | Premier (Around $124.99/year) |
|---|---|---|---|
| Roadside Assistance | ✓ Towing (up to 3 miles) | ✓ Towing (up to 5 miles) | ✓ Towing (up to 100 miles) |
| ✓ Battery jump start | ✓ Battery jump start | ✓ Battery jump start | |
| ✓ Flat tire repair (or replacement) | ✓ Flat tire repair (or replacement) | ✓ Flat tire repair (or replacement) | |
| ✓ Lockout service | ✓ Lockout service | ✓ Lockout service | |
| ✓ Fuel delivery (up to 2 gallons, gas not included) | ✓ Fuel delivery (up to 3 gallons, gas not included) | ✓ Fuel delivery (up to 5 gallons, gas not included) | |
| Trip Savings & Discounts | ✓ Discounts on hotels, car rentals, restaurants, attractions & more | ✓ More discounts than Classic | ✓ Most discounts |
| DMV/MVD Services (varies by state) | ✓ Renew vehicle registration online or by mail | ✓ Same as Classic | ✓ Same as Classic |
| Travel | ✓ Trip interruption assistance (limited coverage) | ✓ Same coverage as Classic | ✓ Same coverage as Classic |
| ✓ Trip planning & routing service | ✓ Same as Classic | ✓ Same as Classic | |
| Emergency Locksmith Reimbursement | N/A | Up to $100 (car only) | Up to $150 (car only) |
| Winch Service (may require additional fee) | N/A | Up to 1 tow per membership year | Upto 3 tows per membership year |
| Extrication Coverage (may require additional fee) | N/A | Up to $150 per disablement | Up to $300 per disablement |
| Worldwide Trip Interruption Coverage | N/A | Up to $750 | Up to $1,500 |
| Worldwide Lost Baggage Coverage | N/A | Up to $250 | Up to $500 |
Additional Notes:
- Prices listed are approximate and may vary depending on your location.
- AAA offers optional RV plans (Plus RV and Premier RV) that extend these benefits to your registered recreational vehicles. These plans are available with Plus or Premier memberships for an extra fee.
Choosing Travel Insurance Coverage:
| If you want… | Include this in your travel insurance policy: |
|---|---|
| Peace of mind in case of trip cancellation or interruption due to common reasons. | Trip cancellation/interruption coverage for reasons like illness, injury, weather, or natural disasters. |
| Protection for your pre-paid trip expenses in case you need to cut your trip short. | Trip cancellation coverage that reimburses you for non-refundable trip costs (flights, hotels, tours) if you have to cancel before departure. |
| Medical care and emergency evacuation while traveling abroad. | Emergency medical and dental coverage for unexpected illness or injury. Medical evacuation and repatriation coverage to get you back home for treatment in a critical situation. |
| Coverage for lost, stolen, or delayed luggage. | Baggage and personal effects coverage to compensate you for lost, stolen, or damaged luggage and belongings. Baggage delay coverage to reimburse you for essential purchases if your bags are delayed. |
| Protection against travel inconveniences. | Trip delay coverage to compensate you for additional expenses incurred due to a flight delay. Missed connection flight coverage if you miss a connecting flight due to a covered reason. |
| Coverage for unexpected activities or events. | Optional activities coverage if you plan on adventurous activities like skiing, skydiving, or whitewater rafting. Event cancellation coverage if a planned event (concert, sporting event) is canceled. |
| Flexibility to cancel for any reason (even non-covered reasons). | Consider adding “cancel for any reason” coverage as an optional add-on, though this typically increases the premium significantly. |
| Coverage for your specific needs (pre-existing conditions, age, etc.). | Carefully review exclusions related to pre-existing medical conditions. Some plans offer limited coverage or exclusions for pre-existing conditions. Consider your age and any health concerns when choosing a plan. |
Frequently Asked Questions:
Does AAA have international travel insurance?
Yes, AAA offers international travel insurance through TripProtect plans administered by Allianz Global Assistance. These plans cover trip cancellations, medical emergencies, and more.
Does AAA Sell Travel Insurance Directly?
NO, AAA doesn’t offer travel insurance directly under their brand, but they partner with Allianz Global Assistance to provide TripProtect travel insurance plans.
How Can I Get a Quote for AAA Travel Insurance?
There are two ways to get a quote for TripProtect plans: Contact a AAA Travel Agent or Visit the Allianz Global Assistance Website.
When Should I Consider Travel Insurance in Addition to AAA Membership?
Travel insurance is a good idea for several situations such as international trips, expensive trips, and If your trip involves activities with a high chance of cancellation.
Is AAA Membership Necessary for TripProtect Insurance?
No, AAA membership is not required to purchase TripProtect travel insurance. However, AAA members may be eligible for discounts on these plans.
Summary: Allianz Global Assistance, one of the Travel Insurance partners at AAA, provides TripProtect insurance plans with Classic or Premier plan choices. The plans involve many kinds of coverages which be classified as Trip Cancellation/Interruption, Emergency Medical/Dental, and Baggage Coverage. The amount depends on the plan type, cost of the trip, age, duration, and any additional extras however it can be between ~$140 and ~$174.
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