Does AAA Have Travel Insurance

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Traveling can be full of adventure, joy, and new experiences. But, unfortunately, it can also come with unexpected hurdles – flight cancellations, lost luggage, medical emergencies, or more.

To navigate these potential bumps on your journey, many travelers turn to travel insurance.

AAA, the American Automobile Association, widely known for its roadside assistance, is a popular choice among Americans for various travel-related services, including travel insurance.

But, does AAA have travel insurance? Let’s find out.

AAA Travel Insurance: The Basics

AAA does indeed offer travel insurance. Their travel protection plan aims to safeguard your trip against unforeseen disruptions.

The benefits can provide reimbursement for trip cancellation, trip interruption, emergency medical and dental care, emergency medical transportation, lost baggage, travel delays, and more.

This coverage is typically available for AAA members. Keep in mind, though, that the benefits and coverage limits may vary depending on your local AAA club and the specifics of your chosen policy.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What’s Covered in AAA Travel Insurance?

Here’s a breakdown of what’s generally covered under AAA’s travel insurance:

1. Trip Cancellation or Interruption

If you need to cancel your trip due to a covered reason, AAA can reimburse non-refundable costs. If your trip is interrupted due to covered circumstances, AAA can help cover additional transportation costs and unused, non-refundable trip costs.

2. Emergency Medical and Dental

If you fall sick or get injured on your trip, AAA’s travel insurance can cover the costs of necessary medical and dental care.

3. Baggage Loss/Damage

AAA can provide reimbursement if your baggage is lost, damaged, or stolen during your trip.

4. Travel Delay

If your trip is delayed due to a covered reason, AAA can provide coverage for additional accommodations, meals, and lost prepaid expenses.

5. 24/7 Assistance Services

AAA offers 24/7 travel and emergency assistance services, offering aid when you need it the most.

What’s Not Covered?

Like all travel insurance policies, AAA’s coverage comes with certain exclusions. For instance, it generally does not cover:

  • Changes of mind or fear of travel.
  • Pre-existing medical conditions, unless you qualify for a waiver.
  • High-risk activities or adventure sports, unless additional coverage is purchased.

Always review your policy details thoroughly to understand the terms, conditions, and exclusions.

How to Get AAA Travel Insurance

You can generally purchase AAA Travel Insurance by contacting your local AAA club, either online or over the phone. You will need to provide details about your trip, including destination, length of stay, and total trip cost.

Wrapping it Up

To conclude, AAA does offer travel insurance.

Whether you’re journeying domestically or jet-setting across the globe, it’s wise to consider how travel insurance can add a safety net to your travel plans. Remember, though, that not all travel insurance policies are created equal.

Thoroughly examine the coverage details, understand your needs, and choose a policy that best suits your travel plans.


Q1: Is AAA travel insurance good?

The quality of travel insurance depends on your specific needs and how well the policy can meet those needs. AAA travel insurance is generally reliable, but it’s best to review the terms, conditions, and customer reviews before deciding.

Q2: Can you buy AAA travel insurance if you’re not a member?

AAA travel insurance is typically available to AAA members. If you’re not a member, you may need to join AAA to purchase their travel insurance.

Q3: Does AAA travel insurance cover COVID-19 related claims? Coverage for COVID-19 related claims varies by policy and location. It’s essential to review the specifics of your policy or contact your local AAA club for detailed information.

Q4: Does AAA travel insurance cover trip cancellations for any reason?

Trip cancellation coverage typically applies to specific covered reasons, as outlined in the policy. Some policies may offer a ‘Cancel for Any Reason’ add-on at an additional cost. Always check the policy details.

Q5: How does AAA travel insurance compare to other providers?

Comparing travel insurance providers depends on several factors, including coverage limits, policy exclusions, cost, and customer service. AAA is a reputable provider with a range of coverage options, but it’s always a good idea to compare policies from multiple providers to find the best fit for your needs.

Remember, travel insurance is a crucial part of your journey, offering financial protection against unexpected events.

Whether you choose AAA or another provider, ensure your chosen policy aligns with your travel needs and offers the level of protection you’re comfortable with. Bon Voyage!