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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 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.

AAA Travel Services

Planning a vacation can be exciting but also a bit overwhelming. That's where AAA Travel comes in! Our team of knowledgeable and friendly AAA Travel Agents are here to help you every step of the way. Plus, as a AAA member, you will enjoy exclusive savings and discounts on everything from passport services to cruises, tours and vacations. Whether you're looking for a relaxing beach getaway or an adventure-packed trip, AAA can help you plan the perfect vacation that fits your needs and budget. So, sit back, relax and leave the planning to us. We are here to make your dream vacation a reality.

AAA Hotel Search

Aaa flight search, aaa rental car search, aaa cruise search, trip canvas.

Are you seeking the ultimate vacation planning tool that will bring your travel dreams to life? Look no further than AAA Trip Canvas, where you can plan your dream getaway with ease. With a wide variety of travel inspiration at your fingertips, you can plan exciting road trips, luxurious cruises and memorable vacations. From hand-picked hotels and restaurant suggestions to expert travel advice, you will find all the resources you need to ensure an unforgettable vacation experience. With AAA Trip Canvas, your next adventure is just a few clicks away.

Ready to plan your next adventure? Look no further than the AAA TourBook®, your ultimate travel guide. With just a few clicks, you will gain access to valuable information and expertise from the trusted source in travel, AAA. Browse through a hand-selected collection of AAA Diamond designated hotels and restaurants, read expertly written articles on top travel destinations and discover new experiences. Start planning your next journey today and let the TourBook® be your trusted guide along the way.

Looking for an easy way to plan your next road trip? AAA's TripTik® has got you covered! You can easily map out your route, get turn-by-turn directions and even find stops along the way for hotels, restaurants and attractions. And the best part? AAA's travel expertise means you'll have access to exclusive discounts and recommendations to ensure your trip is the best it can be. Whether you're a seasoned road-tripper or a first-time explorer, TripTik® is the perfect tool to make your journey smooth and stress-free. Hit the road with confidence — start planning your next adventure!

Cruise Partners

Looking for an incredible vacation experience on the water with amazing ports? Look no further than AAA to book your next cruise. Our cruise partners are the best in the industry and offer affordable prices and exclusive benefits and savings. Whether you're looking for a relaxing voyage through the Caribbean or an adventure-filled Alaskan experience, AAA cruise partners have the perfect vacation for you. Don't miss out on this opportunity to embark on the cruise vacation of a lifetime.

Hotel Partners

AAA members get exclusive access to hotel discounts and AAA Hot Deals with AAA Preferred hotel partners. You won't find rates like these anywhere else. Whether you're planning a family vacation or a weekend getaway, AAA has you covered. Don't wait — book your next hotel stay with one of our trusted partners and start saving today.

Vacations Partners

If you are searching for a vacation that is tailored for your needs, book a AAA tour package. These vacations offer member benefits that cannot be found elsewhere. Our tour partners offer the perfect vacation experiences for your choice of travel style. With guided tours, independent travel, and carefully selected destinations, you can trust that your vacation will be enjoyable and stress-free. Don't wait any longer to plan your next trip — book today and start making memories!

Take advantage of the benefits of being an AAA member. Our partnerships with Hertz, Dollar, and Thrifty offer exclusive deals and discounts to help you save on your next rental car. Don't miss out on these incredible deals and savings. With the ease and convenience of online booking, securing a rental car at a special rate has never been easier.

AAA Vacations ®

When it comes to your dream vacation, you want the best of the best. With AAA Vacations®, you'll get just that. Experience unique adventures with our guided tours or take the reins with independent travel — either way, you'll be sure to have a memorable trip. And as a AAA member, you'll receive exclusive benefits and savings that will enhance your vacation, whether it's a family getaway or a solo adventure. We partner with top-tier travel companies to provide you with the best possible experience, so don't wait any longer. Book your dream vacation now.

AAA Diamonds

When it comes to travel planning, one thing you don't want to overlook is the AAA Diamond designation for hotels and restaurants. These Diamond designations are not handed out lightly — they are bestowed only on the cleanest and most well-run establishments. After all, they've been inspected by professional AAA Inspectors who take a detailed look at each property’s level of quality, cleanliness and condition. If you want peace of mind, make sure you check out the AAA Diamond designations for the places you'll be visiting. It could make all the difference in your trip.

Travel Articles

Need travel advice that will inspire you to pack your bags and hit the road? Our AAA Travel Editors carefully curate a wide variety of travel articles that provide tips, information and inspiration for your next adventure. From insider destination information to expert planning advice, AAA has everything you need to experience the world like a pro. And the best part? AAA members enjoy exclusive benefits and discounts on travel. Experience the best things to see and do with AAA.

AAA Road Trips

Planning an unforgettable road trip? Let AAA be your go-to source. Our team of experts has handpicked the best hotels and attractions along the way to ensure that your journey is both comfortable and remarkable. Whether you want to venture off the beaten path or stick to the tried-and-true, AAA's recommendations keep members’ needs and expectations in mind. Let AAA take care of the details so you can fully enjoy the adventure.

Member Benefits

Find aaa office.

AAA is always here to help, and it's easy to get the support you need in-person or online. Simply go to our website and use the office locator tool to find a nearby AAA office. Whether you're at home, work or on the go, you're never far from a friendly and knowledgeable AAA travel professional who can answer your questions and help you with all your travel needs. Experience the peace of mind that comes when you Travel With Someone You Trust®.

Travel Insurance

Securing travel insurance can give you peace of mind knowing that you and your loved ones are protected in case of unforeseen circumstances. AAA can be your resource when travel delays, emergencies and even cancellations occur. Whether you are traveling domestically or internationally, AAA offers numerous comprehensive options tailored to your needs. Don't let unexpected circumstances add to your mental load, get your travel insurance through AAA and travel with confidence.

International Travel

International driving permit.

Venturing out in the world? Make sure you have your International Driving Permit from AAA before you go if you intend to drive during your trip abroad. Obtaining your International Driving Permit (IDP) is well worth the peace of mind. Available online or at your local AAA office.

Expedited Passports

According to AAA booking data, the number of people going abroad has increased by more than 200% over the past year. Make sure you give yourself a sufficient amount of time to obtain your passport before your trip. Expedite your passport with aaa.rushmypassport.com.

Be Prepared

If you're visiting an international destination, ensure you're fully prepared for anything that might come your way. AAA provides essential services like passport photos, AAA Member Fares™, International Driving Permits and travel insurance. Plus, receive expert insights and recommendations from travel professionals like AAA Travel Agents, inspectors and editors. When you travel with AAA, you can truly Travel With Someone You Trust® — giving you peace of mind before, during, and after your international trip.

TSA: Before You Go Information

Smart traveler enrollment.

Register your trip to allow the State Department to assist you in the event of an emergency abroad. 

TSA Prohibited Items

Can I bring that on the flight? Find out here

TSA PreCheck

With a 5-year, $78 membership, you can speed through security and don't need to remove your shoes, laptops, liquids, belts, or light jackets.

Disabilities and Medical Conditions

Access important information and resources for travelers with disabilities and medical conditions.

Seller of Travel Registrations

• California registration number: 2116464-50

AAA Diamond Designations for Hotels

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Location details for AAA Pickerington

Aaa pickerington.

Store Hours:

The Pickerington office is located in the Shoppes at Turnberry.

Visit the team at AAA Pickerington for total satisfaction and exceptional value on AAA Travel Agency products and services, including travel planning, cruises, and tours. Shop the luggage store for name brand luggage with exclusive member discounts.

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April 25, 2024 | 1 min read

AAA and road trips are simply better together. And we’re not just talking about maps and emergency roadside assistance. Your AAA membership also brings savings on the road, whether you’re renting a vehicle for a long-haul trip, gassing up your car, or buying tickets to theme parks or other attractions.

Take advantage of the following savings.

• Save up to 20% on the base rate for your next rental with Hertz .
• Get a slew of AAA member-exclusive benefits, including free unlimited miles, free additional drivers, free use of a child safety seat, 10% off prepaid fuel, and a waiver of the young-renter fee for drivers 20 to 24.
• Join Hertz Gold Plus Rewards for even more add-ons, including one free day after your first Gold rental.
• Save up to 30 cents per gallon on your first fill-up when you join the Fuel Rewards program at Shell as a AAA member.
• Receive complimentary Fuel Rewards Gold Status with savings on everyday purchases at select Shell stores as well as Fuel Rewards savings offered by participating restaurants and retailers.

AAA TICKETS

• Save up to 30% on admission to select theme parks, water parks, museums, tours, concerts, sports events and more.
• Get tickets immediately via email when purchasing online.

For more details and a complete list of partners and offers available nationwide,  click here .

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