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

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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.

• 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?

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 some of the best travel credit cards of 2024 :

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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Members get 2 days free with a 2-park, 3-day ticket

Walt Disney World® Resort

Up to $60 off theme park tickets

Restaurants (20)

Auntie Anne’s

10% off in-store, in-app and online orders

Bonefish Grill®

10% off dine-in or curbside carryout orders placed by phone

Bubba Gump Shrimp Co.®

10% off dine-in and to-go orders

Carrabba's Italian Grill®

Chart House®

Members save 10% off in-store, in-app and online orders

Coupons for Local Restaurants

Find delicious discounts at your favorite nearby restaurants

Denny's

15% off dine-in and pickup orders

Joe's Crab Shack®

Landry's® Inc. Restaurants

10% off dine-in and to-go orders placed by phone at Landry's brands

Landry's Seafood®

10% off dine-in and to-go orders placed by phone

McAlister's Deli

McCormick & Schmick's®

Moe's Southwest Grill

Outback Steakhouse®

Rainforest Cafe®

Saltgrass Steak House®

Schlotzsky's

The Oceanaire® Seafood Room

Finances (28)

Banking & investments.

8-Month No-Penalty CD from Marcus by Goldman Sachs®

Fixed rate for a guaranteed return on an exclusive 8-month term

AARP® Annuity Marketplace powered by Blueprint Income

Access to an online marketplace of annuities, plus a free income check-up

AARP® Digital Banking from Marcus by Goldman Sachs®

Digital banking services for AARP members

AARP® Essential Rewards Mastercard® from Barclays

3% cash back on gas station and eligible drug store purchases

AARP® Travel Rewards Mastercard® from Barclays

3% cash back on airfare, hotel stays and car rentals

High Yield Savings from Marcus by Goldman Sachs®

Rate bonus on high-yield online savings account

Financial Planning

1040 Income Tax Calculator

Estimate your annual income taxes

Volunteer or get help with your taxes

AARP Members Only Access to Special Money Content

Access AARP money Smart Guides, articles and special reports

AARP Money Map™

Get your finances back on track with a free action plan

Closing the Savings Gap™

Listen to this podcast series focused on women saving for retirement

Interview an Advisor™ Tool

A free resource to help you assess a financial advisor

Money Tools

Free tools and calculators to help you plan and save

Savi Student Loan Repayment Tool

Get a free repayment and forgiveness eligibility review

Trust & Will Estate Planning

20% off trusts and wills

Fraud Prevention

AARP Fraud Watch Network™

Free tools and resources to help you spot and avoid scams

AARP Fraud Watch Network™ Helpline

Call for Help / Report Scams: 8 a.m. to 8 p.m. ET, M–F

AARP® Identity Theft Protection powered by Norton™

Up to 53% off identity and device protection plans

Fraud Resource Center

Use our tip sheets to spot and avoid common scams

Norton™ 360

Up to 69% off device protection plans

The Perfect Scam℠ Podcast

Profiling America's biggest scam stories

AARP Social Security Resource Center

Answers to top questions about Social Security retirement benefits

Retirement Calculator

Find out how much you will need to retire when and how you want

Retirement Resources

Find your personal path to retirement

Social Security Calculator

Find out the best time to claim Social Security

Social Security Q&A Tool

Get answers to your Social Security questions

Insurance (23)

Coverage up to $150,000 that ends at age 80

Up to $50,000 in coverage with no premium increases

Up to $25,000 in coverage with no premium increases

AARP Life Insurance Options from New York Life

Customized plans to supplement your retirement savings

10% off monthly premiums

Vehicle and Property

AARP® Homeowners Insurance Program from The Hartford

Up to 20% off when you bundle your home and auto policies

AARP® Mobile Home Insurance Program from Foremost®

Insurance for nearly every type of mobile and manufactured home

ATV, Golf Cart & Snowmobile Insurance from The Hartford

Customized coverage for recreation vehicles

Boat & Personal Watercraft Insurance from The Hartford

Customized coverage for your boat or watercraft

Renters Insurance from The Hartford

Coverage for those renting an apartment, condo or house

Home & Real Estate (9)

AARP Foundation Local Assistance Directory

Find local food, housing, health and employment services

AARP HomeFit Guide

Download a free guide with smart ways to make a home age-friendly

AARP® Real Estate Benefits by Anywhere

$300-$7,200 benefit on home purchases and sales

ADT™ Home Security

Savings on monthly home security monitoring

$36 or more off any home warranty plan

Home Resource Center

Tips and resources for aging in place, decluttering, DIY projects and more

Technology & Wireless (12)

AARP Perks™ Browser Extension: Find AARP Member Benefits Online

Install AARP Perks™ and earn up to 750 AARP Rewards points

AARP Personal Technology Resource Center

Articles, tips, videos and more to help you stay tech savvy

AARP Tech Guides

40% off select technology how-to guides

Alexa Emergency Assist from Amazon

25% off emergency assistance subscription plans

$10 off per line per month on the AT&T Unlimited Premium® PL plan

5% off monthly fees and 30% off accessories

Two lines of unlimited talk, text and data for $55/Month

GrandPad, Powered by Consumer Cellular

5% off a monthly subscription

Norton Ultimate Help Desk

15% off on-demand, remote computer troubleshooting

The UPS Store® Online Printing Services

20% off online printing services

Family Caregiving (10)

AARP Family Caregiving

Guides, tips and support for family caregivers

AARP Family Caregiving Guides

Download a free guide with simple steps to help create a caregiving plan

Care to Talk™

Spark meaningful discussion with customized conversation cards

Connect2Affect

Take the Isolation Assessment to understand how connected you are

Lifeline Medical Alert Service

15% off medical alert service plus free shipping and activation

Long-Term Care Calculator

Compare costs of long-term care options near you

Work & Jobs (4)

AARP Job Board

Search job opportunities for experienced workers

AARP Resume Advisor℠

Free resume review and members save on writing packages

AARP Skills Builder for Work℠

Free course to get you started gaining in-demand job skills

AARP Work & Jobs

Find a range of useful tools, insight and inspiration

Community (10)

AARP Chapters

Connect with AARP members in your community

AARP Near You

Local events and things to do in your community

AARP Programs

Boost your skills with workshops, events and seminars

Volunteering

AARP Driver Safety

Help others get on the road to safety as a Driver Safety instructor

AARP Foundation

Volunteer to help struggling adults meet their needs

AARP Foundation Experience Corps

Tutor and mentor a child in your community learn to read

AARP State Offices

Volunteer with your AARP state office

Create the Good

Find nearby volunteer opportunities that interest you

Magazines & Resources (8)

AARP Bookstore

40% off select AARP guides and books

AARP Bulletin

Timely news and insights on topics important to people 50-plus

AARP E-Newsletters

Sign up for our e-newsletters on topics that matter to you

AARP Members Only Access to Special Content

Access curated AARP entertainment articles, essays, videos, films and more

Learn, earn and redeem points for rewards with our free loyalty program

AARP The Magazine

The definitive lifestyle publication available to AARP members only

Member Benefits Text Alerts

Unlock more value: Get updates and be the first to know about new benefits

Advocacy (3)

AARP Foundation Litigation

Learn how AARP defends the rights of older Americans

Advocating on important issues in your state

Government Advocacy

A committed advocate on important issues

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• Selling your home? Don't neglect these 6 maintenance tasks - or else
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Mortgage calculator

Refinance calculator.

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Mortgage Rates

Mortgage tools, affordability calculator, rent or buy calculator, veteran home loan center, mortgage tips.

5 Most Common Questions About Mortgages—Answered

Learning the Lingo: Mortgages Explained, From ARMs to Points

Expert Home-Buying Advice for Our Nation's Veterans

How to Buy a Home With Bad Credit (Yes, You Can)

Mortgage Rates by State

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Mortgage Rates by Loan Type

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