aaa 365 travel accident insurance

Travel Accident Insurance

Accidents can happen anywhere and at any time. Whether you are traveling for business or pleasure, unforeseen circumstances can be difficult to manage. 

With your AAA membership, though, you can have peace of mind through our array of insurance coverage options. Feel confident that no matter how or where you are traveling to, our travel accident insurance will help keep you, your family and your finances protected. 

AAA Travel Accident Insurance Coverage

Whether you are traveling locally or abroad, it's important to ensure you're protected and your financial security won't be put at risk if an accident occurs. 

At AAA, we want to ensure you have the accident insurance you need to globe-trot with confidence. That's why we've partnered with The Hartford to provide our members with a quick and easy online enrollment process. With AAA travel accident insurance, you'll spend less time signing up for coverage and more time planning your next adventures. 

Along with a fast enrollment process, we never ask any health questions and our travel accident insurance doesn't require any medical exams. This coverage is available whether you are traveling by air, land or water and includes accidents ranging from accidental loss of limbs to loss of life.

There are two main plans available. For covered accidents, you can choose from The Hartford's:  

• High Limit Accidental Death Insurance Rewards Plan. With the High Limit Accidental Death Insurance Rewards Plan, you'll have accidental death coverage anywhere and at any time. Your family will be protected with cash benefits whenever the death occurs within 90 days of the covered accident. 
• Classic Care Accident Insurance Rewards Plan. With the Classic Care Accident Insurance Rewards Plan, you'll have different benefits for accidental death as well as outpatient, hospitalization and recuperation. 

Why Work With AAA for Travel Accident Insurance? 

Our travel accident insurance delivers a fast, convenient solution whenever you are planning a family or business trip. If you are a AAA member, you can take advantage of guaranteed-acceptance plans through The Hartford. 

Your coverage is designed to ease potential financial burdens that could arise from any unexpected injury or death while you are traveling. You'll have benefits for both medical care and loss of life, helping protect you and your family. Through our exclusive member plans, you'll receive coverage and additional protection ranging from medical bills to mortgage payments and funeral expenses. 

Contact AAA Central Penn for Travel Accident Insurance Coverage 

At AAA, we are here for more than just emergency roadside assistance. As a member, we can also provide you with peace of mind as you travel through our accident insurance coverage. 

To learn more about our insurance coverage options — as well as all the other benefits, perks and discounts you have access to as a member — give us a call at 800-717-4222 to speak with an agent. If you aren't a member yet,  check out our different membership levels  and reach out to enroll today.

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How Accidental Death Travel Insurance Works

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Table of Contents

What is travel insurance?

Does travel insurance cover death, how to get accidental death travel insurance, filing a claim, accidental death travel insurance recapped.

Vacations are always exciting. The chance to get out of town, see some new things and explore new places is an opportunity many dreams of. However, traveling is always risky, especially if you intend to undertake activities such as hiking or bungee jumping. Travel insurance can help protect you if things go awry, with coverage such as emergency medical insurance, trip cancellation insurance and accidental death insurance. But do you need travel life insurance — and how does it work? Let's take a look.

There are many different kinds of travel insurance available to customers, and the type you'll need will depend on travel style, destination and how long you'll be away. Generally speaking, here are some of the more common types of travel insurance:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

» Learn more: How much is travel insurance?

You'll find a few different varieties of coverage within the broader accidental death travel insurance umbrella. Generally speaking, the way that accidental death travel insurance works is that you'll purchase a policy covering the period that you're away. Then, if a covered accident occurs, you or your designated beneficiary will receive the payout from your insurance company. Despite its name, accidental death travel insurance can cover more than just death. Here are some different types of injuries that your insurance policy may cover:

Loss of life.

Loss of speech and/or hearing.

Loss of thumb and index finger on the same hand.

Loss of hand/s.

Loss of foot/feet.

Loss of eye/s.

The amount you'll be paid will be determined by the policy you've purchased and the extent of your injuries. Depending on your policy, your spouse and unmarried children may also be covered against accidental death. You'll also want to be aware that different accidental death travel insurance policies can cover you at different times. Accidental death flight insurance, as you'd suspect, will provide coverage for you while you're flying. Meanwhile, 24-hour accidental death insurance will protect you anytime during your trip. You don't need to be traveling for your policy to be enacted, though there are certain limitations to this. For example, don't expect to be covered while you're in the middle of skydiving. Finally, common carrier accidental death insurance insures you while traveling on any ticketed public transportation. This can be flights, buses, ferries or even trains. » Learn more: What to know before buying travel insurance

Just like there are multiple types of travel insurance, there are various ways to acquire accidental death travel insurance.

Buy a policy

Probably the most common option is to purchase a policy for life insurance from an insurance company. Whether you're looking for accidental death insurance or trip cancellation insurance, you can find policies to cover various issues from providers. Before you buy a plan, be sure to gather as many quotes as possible. Different levels of coverage will affect the cost of your policy, as will your age, travel dates, destination and residency. Websites like Squaremouth can help you find the best policy to suit your needs. For example, Squaremouth compares coverages and costs from a wide variety of providers on a single screen as an aggregator. Expect insurance coverage amounts ranging from $10,000 to $1 million. » Learn more: The best travel insurance companies

Use your credit card

If you hold a travel credit card, you may be eligible to receive accidental death insurance for free. Many different types of credit cards provide trip insurance , including:

Trip cancellation insurance.

Trip delay insurance.

Emergency medical insurance.

Accidental death insurance.

The type of insurance you'll receive will vary greatly depending on which card you hold, so you'll want to read your guide to benefits carefully if this is something you'll be relying on. The Chase Sapphire Reserve® , for example, provides you two types of accidental death insurance. You'll be covered throughout your trip with 24-hour coverage if you charge your travel bookings to the card. The coverage limits and payouts will differ, however, based on when the incident occurs.

Chase's 24-hour travel accident insurance only covers you for the first 30 days you're out of the country.

The Platinum Card® from American Express , meanwhile, will only provide you with common carrier accidental death insurance, though you'll also be covered when en route to and from your common carrier. Terms apply. » Learn more: The best travel credit cards right now

The process for making a claim on your insurance will vary based on your provider. For example, you may need to contact a benefits administrator or create a file online. Usually, you'll have a specific period during which you must report the incident, file the claim and complete your documentation. Documents that you can expect to turn in with your claim include the following:

Your completed claim form.

A copy of your travel itinerary.

A police report confirming the accident.

A death certificate.

Have a plan for submitting the required documentation ahead of your trip. » Learn more: Does travel insurance cover medical expenses?

Travel insurance, as a whole, can be a good option for you if you're worried about accidents while you're away from home. Along with emergency medical and trip cancellation insurance, accidental death insurance can provide you and your family coverage when things go wrong. Before buying a policy, however, be sure to check if your credit card already provides complimentary travel life insurance. Doing so can save you money while ensuring you're always protected.

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

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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.

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Individual Travel Accident (Passport 360)

Individual Travel Accident (Passport 360) is an annual insurance policy that offers worldwide coverages and services to help in emergencies and to make travel easier for customers who travel frequently for business or pleasure.

From travel emergencies to travel conveniences, Passport 360 combines a host of features into one package. Passport 360 gives customers access to insurance coverage, services and resources that enhance their travel security and peace of mind.

Plans Include:

• Accidental Death & Dismemberment
• Excess Medical Expense*
• Felonious Assault
• Political Evacuation
• Travel Convenience benefits such as Trip Delay and Baggage Delay coverage
• Assistance Services:  Emergency Medical Services, Medical Evacuation, Repatriation, Legal Assistance, and other Pre-Trip and Travel Services

Optional Upgrade:

• Golf Package Enhancement

*Excess Medical Expense is not intended to take the place of primary medical coverage and is not available to residents of Connecticut, Georgia, Maryland, New Hampshire, New Jersey, and Virginia.

The Chubb Advantage

• Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
• Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
• Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
• Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.

Passport 360

Learn how Passport 360 can help protect you wherever you travel.