does triple aaa offer travel insurance

9 Reasons to Purchase TripProtect Travel Insurance through AAA

Updated : March 27, 2024

AAA Travel Editors

Table of contents.

• Life is unpredictable.
• Don’t let sickness stop you.
• Your health insurance has its limits.
• Forgot your medication?
• Lost luggage can leave you in a lurch.
• The plan crumbles.
• Unexpected travel hiccups...
• Your credit card may not cover you.
• Tap into smart travel tools.
• Plan Your Next Trip With AAA

Nobody likes to spend more money, but the truth is that anything can happen when traveling. It’s a good idea to be protected just in case.

Below are some of the most common ways vacations can get sidetracked and how travel insurance can help. Trip delays, interruptions or even cancellations can cause unexpected headaches and expenses, but travel insurance can help make sure you are protected from any adjustments you need to make to overcome these situations. Some plans include cancellation benefits and if you have a covered reason, you can be reimbursed for prepaid nonrefundable expenses — like a covered medical emergency or loss of employment. Allianz Partners, a world leader in travel insurance and assistance services and AAA partner of over 30 years, offers many reasons to protect yourself and your family with travel insurance — helping travelers every year through unanticipated travel delays, bad weather, lost luggage and medical emergencies in foreign countries.

Here are nine reasons why experienced travelers choose Allianz Travel Insurance through AAA:*

1. Life is unpredictable.

Some trips need to be cancelled. With travel insurance, you don’t necessarily have to pay for a trip you are unable to take. Instead, enjoy more confidence knowing you’re a step ahead of unpredictable situations before and during your trip.

2. Don’t let sickness stop you.

From falls to food poisoning, illnesses and injuries can happen anywhere. It’s less scary to be sick or hurt with travel insurance to help you through these troubles with financial benefits and expert assistance services.

3. Your health insurance has its limits.

When you travel outside the U.S., you may be leaving your health insurance at home. Many U.S. plans (including Medicare and Medicaid) don’t cover international travel. Why risk it when a medical evacuation can cost $50,000+?

4. Forgot your medication?

Lost or forgotten medication can set off an alarm when you’re far from home. Let travel assistance help you locate a pharmacy to purchase a replacement. It’s always nerve-wracking when something goes wrong. But when you’re in a foreign country, you don’t want to face any kind of crisis alone.

5. Lost luggage can leave you in a lurch.

Allianz Travel Insurance provides benefits that can help you replace needed items if your bags are delayed, damaged or stolen while you’re traveling. With reimbursement for your trip essentials, you can still suit up for wherever your journey takes you next.

6. The plan crumbles.

If a travel supplier ceases operations, you may not get a refund for the money you fronted for a cruise, flight or tour. Allianz Travel Insurance offers protection in case of covered travel supplier default, so you’re less likely to pay for an experience that’s no longer possible.

7. Unexpected travel hiccups...

Flight delays can add up. Beyond being annoying, prolonged delays can cause you to accrue expenses while you wait—or worse, miss a connection. With travel insurance, a covered travel delay can mean reimbursement for rebooking fees, meals and accommodations.

8. Your credit card may not cover you.

Some travelers opt out of travel insurance, thinking credit card coverage would suffice in a crunch. Truth is, even if you have this free coverage benefit, it won’t likely be as extensive as a separate travel insurance plan.

9. Tap into smart travel tools.

Allianz Partners’ TravelSmart mobile app has recently been updated and rebranded as the Allyz® TravelSmart Mobile App . The Allyz® TravelSmart app has the same great functionality with a new look and FAQ section.

Note, there is no change to the Allianz in-app assistance services embedded in AAA Mobile.

Plan Your Next Trip With AAA  

Join the over a million people who are AAA members and start planning your dream vacation today. Dream up the perfect trip with our Trip Canvas research tool and use your membership to get the best discounts on hotels , rental cars and entertainment tickets. 

_____________________________________________________________

*Terms, Conditions, and exclusions apply to all plans. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance (AGA) or its affiliates.  AGA compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company.Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected].

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A Quick & Easy Guide to AAA Travel Insurance

Last Updated: May 24, 2024 May 24, 2024

American Automobile Association — commonly called AAA or Triple A — is probably best known as the organization that provides roadside assistance to its members. However, their members also benefit from AAA’s long standing partnership with Allianz Global Assistance, a leading travel insurance provider . 

The good news? You don’t have to be a member to get trip coverage from Triple A, so let’s take a closer look at what you can expect from AAA travel insurance .

What Does Travel Insurance from AAA Cover?

AAA trip insurance coverage options can vary depending on your location and travel destination . The plan you choose also influences what coverage is available. That said, travel insurance from AAA often includes coverage for:

• Trip cancellations
• Trip interruptions
• Travel delays
• Trip changes
• Emergency medical and dental care
• Emergency evacuations
• Baggage loss, theft, damage, or delay

Additionally, AAA travel insurance policies also provide 24-hour assistance to help you with emergencies, ranging from lost passports to ongoing medical monitoring.

Members will also enjoy travel benefits through AAA. These may include:

• Discounts on car rentals and hotels
• Special vacation packages
• A reloadable, prepared credit card
• Assistance with visas, passport photos, and international driving permits

What’s Not Covered by AAA Travel Insurance?

AAA trip insurance policies, like most insurance policies, may exclude coverage for certain perils. For example, your injury likely won’t be covered if it occurred while taking part in criminal or high-risk activities. Intoxication and drug use might also curtail your coverage.

Moreover, your policy may not cover cancellations for some events. This often includes events that were public knowledge when you booked your trip, so check the Coverage Alerts page before you purchase travel insurance from AAA.

Finally, AAA travel insurance only covers named insured — that is, individuals specifically mentioned in the plan. That means your family members or travel companions are only covered if you name them in your policy.

Coverage details can vary, so be sure to review your policy documents before you leave for your trip.

AAA Trip Insurance Plans

AAA offers single-trip insurance plans that depend on your state of residence and destination. Requesting a quote generally returns three plan levels with various coverage options and premiums: TripProtect Deluxe II, TripProtect Select II, and TripProtect Cancel Anytime.

Each of these plans included coverage for:

• Lost document fees.
• Flight changes for covered events.
• Changes to or a missed port of call.
• Required vaccinations.
• Trip cancellations, delays, or interruptions.
• Emergency medical and dental care.
• Emergency transportation.

None of the travel plans covered rental cars, but AAA does offer an add-on to cover that cost if your trip is interrupted as well as the cost of damage or theft of your rental car.

TripProtect Deluxes has the highest coverage limits. However, the TripProtect Cancel Anytime plan is a cancel for any reason policy , which may be attractive for some trip planners.

How to Get AAA Trip Insurance Quotes

Getting a quote from AAA for travel insurance is easy. You simply go to the AAA’s travel insurance page and click the “Get your quote now” button. From there, you enter your state of residence, total trip cost, destination, departure and return dates, initial deposit date, and the ages of every traveler. Once you do this, you’ll receive information about the available plans. Be sure to click the View Plan Comparison button. This will give you a side-by-side comparison coveages and amounts.

How Much Does AAA Travel Insurance Cost?

Your travel insurance premium depends on the cost of your trip and the plan you choose. To give you an idea of what travel insurance from AAA might cost, we plugged in information for a 7-day, $12,000 trip for one traveler leaving from Illinois. Prices ranged between $505 for the TripProtect Select II plan to $704 for the TripProtect Cancel Anytime plan.

The prices for the same trip for a family of three were between $377 and $534.

Frequently Asked Questions About AAA Trip Insurance

Here are answers to some of the more frequently asked questions about travel insurance from AAA.

Does AAA Offer Overseas Travel Insurance?

AAA offers coverage for both domestic and international travel. Cancel for any reason trip insurance may be more difficult or even unavailable or some overseas travel.

Does AAA Cover Flight Cancellation?

AAA can cover flight delays and cancellations. How and when these events are covered depend on your specific policy, but travel insurance from AAA often reimburses you for meals, transportation, and accommodations if a covered event delays your flight for a minimum number of consecutive hours.

Is Allianz Part of AAA?

Allianz has been a travel insurance partner of AAA for over 30 years. The insurer holds an A+ rating from AM Best and has been accredited with the Better Business Bureau since 1991.

Is AAA Travel Insurance Worth It?

Travel insurance is almost always worth the cost, if only because it brings you peace of mind that your vacation is protected should something go wrong. But is travel insurance from AAA worth it? That depends on your particular situation.The best way to decide if travel insurance from AAA is the right coverage for you is to compare policies.

Get quotes from several trip insurance providers, and take a good look at the coverage and cost. When you find the policy that gives you the protection you need at a premium you can afford, you’ve found the right one.

Written by Virginia Hamill

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Get up to a $150 shipboard credit per stateroom when booking Club Ocean view staterooms or above on select sailings.  Plus, book a AAA Vacations® and receive $200 per stateroom onboard credit.

• $200 per stateroom onboard spending credit

Member benefits are made at the discretion of Azamara Club Cruises, based on sailing date and booking window, and may be changed.

Book a Fun Select rate and get up to a $200 onboard credit.  Or book a select AAA Vacations® sailing and get a 2-category upgrade, 50% reduced deposit, and up to a $75 shipboard credit per stateroom.

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Celebrity Cruises

Get up to a $175 shipboard credit per stateroom when booking an ocean view stateroom or above. Galapagos departures are excluded.

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Member benefits are made at the discretion of Celebrity Cruises, based on sailing date and booking window, and may be changed.

Get up to a $900 shipboard credit per stateroom (based on stateroom category and sailing length). For sailings departing now through April 30, 2025, you'll also enjoy enhanced afternoon tea service, and complimentary dining in either of Cunard’s alternative dining restaurants on select sailings.

• Up to $400 per stateroom onboard spending credit
• Enhanced afternoon Tea Service for two
• Complimentary dinner in Kings Court or Lido specialty restaurants (first two guests in stateroom)

Holland America Line

Get a $50 onboard credit per person for the 1st and 2nd guests in your stateroom on select sailings.  Plus, book a AAA Vacations® sailing for another $50 onboard credit per person for the 1st and 2nd guests in your stateroom and  $50 Denali Dollars per person for first two guests on Alaska Cruisetours Verandah staterooms and above.

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Hurtigruten

Get 90 Euro per person onboard credit for all sailing dates except: Hurtigruten Norwegian Coastal Express (300/600 NOK) or MS Santa Cruz II Galápagos sailings ($100.00 USD per person).

• Pre-paid gratuities for first two guests in stateroom
• Wine tasting for first two guests in stateroom

AAA Vacations® amenities only valid in ocean view stateroom or higher.

Oceania Cruises

Receive up to $100 onboard spending credit on all sailings when booked in a verandah category and above. For AAA Vacations sailings, the first two guests in the stateroom also receive free Pre-Paid Gratuities.

Get a $100 shipboard credit per person on all 2024 sailings.

Princess Cruises

Each quarter, book select sailings with reduced deposits and enjoy  a complimentary Princess Medallion Clip (first two guests in the stateroom).  Book a AAA Vacations® sailing, in a balcony, mini-suite, cabana or suite stateroom, and get up to $150 onboard credit per stateroom and a $50 shore excursion credit per stateroom.

• Dinner for two in a specialty restaurant (first two guests in stateroom)

Regent Seven Seas Cruises

Enjoy up to $200 per suite onboard spending money on select sailings.  Or, book AAA Vacations® departures, and get up to $500 onboard credit per suite.

• Complimentary Regent Choice shore excursion
• Private cocktail party

Royal Caribbean International

Members get a complimentary bottle of sparkling wine and a plate of six chocolate covered strawberries delivered to their stateroom prior to departure and up to $100 per stateroom complimentary onboard credit for balcony and above stateroom categories. Plus, book a balcony or above stateroom on any 7-night or longer sailing and get one free 8x10 or digital photo per stateroom.

• Dinner for two in a specialty restaurant on select sailings
• Bottle of sparkling wine delivered to your stateroom

Member benefits are made at the discretion of Royal Caribbean International, based on sailing date and booking window, and may be changed at any time.

Seabourn Cruise Line

Get $300 per suite (double occupancy) onboard spending credit on select departures. Singles receive $150 per suite.

Get up to $300 per person shipboard credit on select sailings.

UNIWORLD BOUTIQUE RIVER CRUISE COLLECTION

Save up to $500 per stateroom (based on sailing length). Plus, book select AAA Vacations® departures and get a $300 per couple shipboard credit.

Viking Cruises

Get a $100 shipboard credit per person on itineraries ranging from 8 to 11 days and get a $200 shipboard credit per person on itineraries of 12 days or more.

• Complimentary one night pre-cruise hotel with breakfast (Limited availability per departure)
• Airport to hotel transfers
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U by Uniworld

Receive $100 per stateroom onboard spending credit on all departures.

Uniworld Boutique River Cruise Collection

Receive up to $250 per person savings.

• Choice of complimentary one-night pre-cruise hotel with breakfast and roundtrip transfers or $300 per stateroom onboard spending credit. AAA Vacations® amenity based on sailing date, and may be changed

Best Western

Save 5% or more when booking AAA rates and earn 10% bonus points with the AAA/CAA Preferred SM Best Western Rewards® program.

Save up to 10% off and Hilton Honors members earn points and other benefits.

Save 5% or more and earn World of Hyatt points when booking AAA rates.

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MGM Resorts International

Save 10% and earn MGM Rewards Points when booking AAA rates.

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Aaa member choice vacations.

Save $50 per person on all itineraries.  Plus, book a AAA Vacations® departures and get up to a $75 pre-booked optional tour experience credit.

AFRICAN TRAVEL

Save up to $250 per person (based on trip cost). Book select AAA Vacations® departures and enjoy double Member Benefit savings up to $500 per person.

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Get up to $115 savings per person. Plus on select AAA Vacations® itineraries, enjoy a complimentary pre-tour night with chauffeured transfer and breakfast.

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Save up to $50 per booking on packages 5 nights or longer, plus get a $100 Bounce Back Coupon valid toward your next Amtrak Vacations trip inclusive of 3 destinations.  Book a AAA Vacations® departure, and enjoy double the Member Benefit savings.

ATI – AMERICANTOURS INTERNATIONAL

Get $25 per person member discount on DriveAmerica or $50 per person member discount on vacation rental bookings of 7 days or more.  

AVANTI DESTINATIONS

Book a 3- to 6-night package with one full-day excursion and get $50 off per person, or book a 7-night package with two full-day excursions and get $100 off per person.  Plus, $25 savings on a car rental of one week or more.

Save up to 15% when you book a qualifying package.

BRENDAN VACATIONS

Get a $40 optional experience credit per person on guided vacations and up to $75 savings per person on Custom Vacations including Locally Hosted, Private Chauffeur and Self Drive Vacations. Book a select AAA Vacations® departure and receive additional benefits.

Get a $40 discount per person on guided vacations and on self-drive packages save $25 per booking plus get a complimentary GPS.

CLUB ADVENTURES

Get a $50 discount per person on any adventure applied at time of booking.  Book a AAA Vacations departure and enjoy double Member Benefit savings.

CONTIKI TOURS

Book a 7+ day trip and get a $50 optional excursion credit to further enhance your trip.  Book multiple qualifying trips and get additional credit.

Get a $40 optional experience credit per person.  For select departures, you may enjoy a $40 per person discount instead of the optional experience credit. 

COUNTRY WALKERS

Get a pair of Leki Voyager Trekking poles per person.

DELTA VACATIONS

Get up to $100 off per booking when you book a qualifying air and hotel package.

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Book any Grand Canyon Railway & Hotel package with 2+ nights and receive room upgrade, late check out, and 10% off a single retail purchase.

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Get a $40 optional experience credit per person (exclusions apply). Book a AAA Vacations® departure and get $80 per person optional experience voucher on all Europe Country Roads & all Europe Easy Pace trip styles. And when you book a Luxury Gold vacation, you’ll save $150 per person.

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Get a $150 per person gift credit to Micato’s Online Safari Shop. 

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Get up to a $100 activity credit or up to $100 savings per booking.

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Save $50 per booking on packages 5 - 6 days or $100 per booking on packages 7 days or longer.  For AAA Vacations® departures, enjoy double Member Benefit savings.

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Book a qualifying 2024 Rocky Mountaineer package of 4 days or more and receive $150 off per couple for travel on Canadian routes and $100 off per couple for travel on the US route.

When booking Tauck airfare with your tour, you’ll save up to $150 per person (up to $75 on domestic tours and up to $150 on international tours) .

Get a $40 optional experience credit per person. Book a AAA Vacations® departure and get an $80 optional experience credit per person.

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The AAA credit card portfolio requires a little history lesson.

After Bread Financial formally partnered with AAA in 2022, the companies launched two co-branded credit cards: the AAA Travel Advantage Visa Signature Credit Card and the AAA Daily Advantage Visa Signature Credit Card. Both are issued by Comenity Bank , a subsidiary of Bread Financial, and offer solid rewards rates, although earnings are capped.

A third co-branded card, the AAA Cashback credit card, is issued by U.S. Bank .

The Travel Advantage and Daily Advantage credit cards have similar features, but they differ from their Cashback cousin when it comes to eligibility requirements, rewards and sign-up bonus.

Here’s what you need to know about the three AAA credit cards to help you decide the best fit for your lifestyle.

» MORE: Best credit cards for car repairs

1. There are 3 AAA credit cards

Before applying for one of the AAA credit cards, make sure you’re filling out an application for the card you really want. The three AAA credit cards have different rewards structures:

AAA Daily Advantage credit card.

AAA Travel Advantage credit card.

AAA Cashback credit card.

AAA Daily Advantage credit card

AAA Daily Advantage is billed as a card for everyday spending . And for many cardholders, the rewards categories do represent common spending categories. The Daily Advantage card earns:

5% cash back at grocery stores.

3% cash back on gas and EV charging, wholesale clubs, streaming services, pharmacy and AAA purchases.

1% cash back on all other purchases.

There’s a $500 annual cash-back cap on rewards earned at grocery stores, wholesale clubs and gas stations combined. After hitting the cap, purchases in those categories earn 1% back for the rest of the year. A $500 rewards limit may seem high, but some families will easily exceed it. If you spend $10,000 annually at grocery stores alone, you’d hit the $500 cash-back cap.

» MORE: Best credit cards for grocery stores

AAA Travel Advantage credit card

As the name suggests, AAA Travel Advantage is a travel-centric card, and its rewards categories bear that out. The Travel Advantage card earns:

5% cash back on gas and EV charging.

3% cash back on travel, restaurants, grocery stores and AAA purchases.

Rewards earned on gas and EV charging are capped at $350 per calendar year. The rewards rate drops to 1% once you’ve hit the limit. Given the 5% rate, cardholders would need to spend $7,000 a year (or about $583.30 per month) on gas and EV charging to reach the $350 rewards cap.

» MORE: Best gas credit cards

AAA Cashback credit card

The rewards rates are less impressive on the AAA Cashback card compared to the other two cards; however, there’s no cap on rewards. This card earns:

3% cash back at grocery stores, gas stations and dining.

2% cash back on AAA memberships, travel and insurance.

1% on everything else.

Bread Financial doesn’t allow consumers to have both the Daily Advantage and Travel Advantage cards.

» MORE: Best credit cards for electric vehicle owners

2. You may need AAA membership to get one of the cards

AAA membership is required to get the AAA Cashback credit card. Pricing depends on where you live, but in general, a membership can cost from $38-$164 a year for one person.

However, you don't have to be a member of AAA to apply for the Daily Advantage or the Travel Advantage credit cards.

» MORE: Is AAA worth it?

3. Reward redemption options vary slightly by card

If you have the AAA Cashback Visa, rewards may be redeemed for the following:

AAA gift cards.

Merchandise.

Statement credit ($25 minimum to redeem).

Direct deposit ($25 minimum to redeem).

Gift cards. 

The redemption options for the Daily Advantage and Travel Advantage cards include everything listed above plus Apple products and AAA merchandise, services and travel. Cardholders must have at least $5 to redeem if they opt for cash back or a statement credit.

For all three AAA cards, rewards expire after five years.

» LEARN: How to redeem credit card rewards

4. Sign-up bonuses vary by card, too

Currently, the Travel Advantage and Daily Advantage credit cards have the same sign-up bonus: a $100 statement credit for new cardholders who spend $1,000 on their AAA Visa Signature card in the first 90 days of account opening.

As of this writing, the welcome offer for the AAA Cashback card is potentially more valuable, depending on your spending. Instead of the standard 2% rate, new AAA Cashback cardholders will earn 4% on AAA memberships, travel and insurance for the first six months, up to $6,000. Were you to hit the $6,000 spending cap, you’d get $240 cash back.

5. Fees are minimal 

None of the AAA credit cards charges annual or foreign transaction fees .

For the Daily Advantage and Travel Advantage cards, the combination of a $0 annual fee and a fixed 5% rewards category is especially notable. Other credit cards that feature a 5% rate often come with an annual fee or require you to actively track and opt in to bonus categories that rotate every quarter.

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