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Accident protection that can help you get back on your feet.

Accident insurance is available exclusively to AAA members. It can help cover the costs of recovery or loss of life from a covered accident. Cash payments generally start from day 1 of hospitalization. Coverage is available right away—no health questions or medical exam required.

ACCIDENT PRODUCT

Member loyalty ® accident insurance.

Unintentional injuries from accidents are a leading cause of death in America. Member Loyalty ® Accident Insurance offers guaranteed acceptance coverage for AAA members with benefits for loss of life and medical care.

Buy over the phone or by mail
Accident benefits increase with years of membership
Cash benefits for ER visits, hospital stays, recuperation, or loss of life
No health questions or medical exam

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AAA Member Loyalty Travel Accident Insurance: A Comprehensive Guide

Traveling can be an amazing experience, full of fun, excitement, and new adventures. But accidents and emergencies can happen anywhere, even on vacation. That’s why having travel accident insurance is so valuable for AAA members.

AAA Member Loyalty Travel Accident Insurance provides protection in case you suffer an accidental injury or even death while traveling. This article will explain everything you need to know about this valuable coverage.

Overview of AAA Member Loyalty Travel Accident Insurance

This AAA insurance policy provides the following core benefits:

Accidental Death – Pays up to $300,000 if you die in a covered travel accident.

Dismemberment – Pays up to $300,000 for loss of limbs or eyesight from an accident.

Loss of Speech/Hearing – Provides benefits if you suffer loss of speech or hearing due to an accident.

It covers accidents that occur when traveling via common carrier, such as a plane, train, or bus. It also covers accidents during the process of boarding or disembarking these transportation methods.

This policy is automatically included with AAA Premier membership at no added cost.

Who is Eligible for Coverage?

To be eligible for AAA Member Loyalty Travel Accident Insurance, you must:

Have a valid AAA Premier membership
Purchase travel through the AAA Travel Agency
Be under 70 years old

The insurance covers the primary AAA member as well as their spouse/domestic partner and any unmarried dependent children under 26 years old.

One key advantage is that there are no medical exams or health questions required to qualify. Coverage is guaranteed for all eligible Premier members.

When Does AAA Travel Accident Coverage Apply?

This AAA insurance policy covers accidents that occur:

While riding as a ticketed passenger on any licensed common carrier, such as a plane, train, bus, taxi, or rideshare.

During the process of boarding or disembarking these transportation methods.

While riding to/from the terminal or station immediately before or after your trip.

While riding in a rental car or personal vehicle to/from an airport, station or terminal.

So you have protection for accidents throughout your travels when booked through AAA.

AAA Travel Accident Insurance Benefits

Here are details on the benefits provided by AAA Member Loyalty Travel Accident Insurance:

Accidental Death

Pays $300,000 for accidental death while traveling

Dismemberment

$300,000 for loss of 2+ limbs, eyesight, speech, and hearing
$150,000 for loss of 1 limb, eye, speech, or hearing
$75,000 for loss of 1 hand, 1 foot, or thumb/index finger of same hand

Loss of Life Benefit for Dependent Child(ren)

$25,000 per child if caused by a covered accident

Benefits are paid directly to you or your selected beneficiaries. The coverage has a maximum limit of $20 million per any one accident.

Additional AAA Member Benefits

AAA Member Loyalty Travel Accident Insurance also includes these extra benefits:

Spouse Membership – If the primary member passes away in a covered accident, the spouse receives a complimentary AAA membership for life.

Bereavement Counseling – Up to 5 sessions of grief counseling are provided if you suffer a covered loss.

Seat Belt Benefit – An additional 10% is paid, up to $50,000, if you die while properly wearing a seat belt in a private vehicle accident.

Airbag Benefit – An extra 5%, up to $5,000, is paid if you die while wearing a seat belt and the airbag deploys in a private vehicle accident.

Job Assistance – Up to $5,000 is provided to your spouse for job skills training and job placement assistance if you die in an accident.

AAA Members receive comprehensive support and protection while traveling with this coverage.

What Accidents and Losses Are Not Covered?

While AAA Travel Accident Insurance provides valuable benefits, there are some limitations on what is covered:

Excluded Accidents/Losses:

Illness or disease

Mental or emotional disorders

Pregnancy and childbirth

Strokes or cerebrovascular accidents

Suicide or attempted suicide

Declared or undeclared war

Commuting accidents (only covers while in direct transit to the trip)

Other Exclusions:

Injuries while piloting an aircraft

Accidents on personally owned, leased, or chartered aircraft

Races or speed contests

Injuries while driving under the influence

Be sure to read the full exclusions section of the policy. But in general, the coverage is designed for unforeseen accidents while traveling, not pre-existing conditions or high risk activities.

How Much Does AAA Travel Accident Insurance Cost?

A major advantage of this coverage is that there are no direct costs for eligible AAA Premier members.

The travel accident insurance is included automatically when you join AAA Premier. The premium costs are built into the AAA Premier membership dues.

AAA Premier membership starts at just $99 per year in most states, with rates varying based on your location. This covers the entire household, including spouse/partner and dependents under 26 years old.

Considering a AAA Premier membership can save you hundreds on travel, automotive and shopping discounts, the travel accident insurance coverage provides even more value and protection.

How to File a AAA Travel Insurance Claim

If you need to file a claim due to an accident on your trip, follow these steps:

Report the accident to AAA as soon as possible. Claims should be filed within 60 days.

Submit a written claim form, which can be obtained from your local AAA branch.

Provide documentation such as medical records, death certificates, and police reports to verify the loss.

You or your beneficiaries will need to provide proof of travel purchases through AAA and documentation of the accident.

A claims examiner will review the documentation and investigate the circumstances of the accident.

If approved, the applicable benefit amount will be paid via check.

Contact your local AAA branch anytime you need assistance filing a claim.

Why AAA Travel Accident Insurance is Worth It

Travel insurance is always smart when venturing away from home. With AAA Member Loyalty Travel Accident Insurance, you get these key benefits:

Peace of Mind – Travel worry-free knowing your accident risks are covered.

Convenient – The coverage is built into your AAA membership automatically.

Affordable – There are no extra costs or premiums for eligible members.

Comprehensive – Benefits cover everything from small injuries to the unthinkable.

Worldwide – Protection applies wherever you travel globally.

Worry-Free Claims – AAA agents help handle paperwork if a claim occurs.

For AAA members, this insurance provides protection for life’s unexpected events without the hassle or cost of a separate policy. Learn more about this coverage when planning your next adventure away from home.

AAA Member Loyalty Accident Insurance Review: Pros and Cons

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

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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, other aaa products, aaa travel insurance recapped.

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.

* 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.

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.

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?

In addition to travel insurance, AAA offers a wide range of coverage and insurance products, including:

AAA auto insurance .

AAA homeowners insurance .

AAA life insurance .

AAA renters insurance .

Boat insurance.

Flood insurance.

Motorcycle insurance.

RV insurance.

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 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.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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.

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℠.

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.

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 when you redeem through Chase Travel℠.

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Is AAA Travel Accident Insurance Worth It? A Comprehensive Guide
Is AAA Travel Accident Insurance Worth It? A Comprehensive Guide
Travel Accident Insurance
Aaa travel accident insurance coverage: Fill out & sign online
AAA Travel Insurance
Is AAA Travel Accident Insurance Worth It? A Comprehensive Guide