aaa family travel accident insurance

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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Travel Accident Insurance

Accidents can happen anywhere and at any time. Whether you are traveling for business or pleasure, unforeseen circumstances can be difficult to manage. 

With your AAA membership, though, you can have peace of mind through our array of insurance coverage options. Feel confident that no matter how or where you are traveling to, our travel accident insurance will help keep you, your family and your finances protected. 

AAA Travel Accident Insurance Coverage

Whether you are traveling locally or abroad, it's important to ensure you're protected and your financial security won't be put at risk if an accident occurs. 

At AAA, we want to ensure you have the accident insurance you need to globe-trot with confidence. That's why we've partnered with The Hartford to provide our members with a quick and easy online enrollment process. With AAA travel accident insurance, you'll spend less time signing up for coverage and more time planning your next adventures. 

Along with a fast enrollment process, we never ask any health questions and our travel accident insurance doesn't require any medical exams. This coverage is available whether you are traveling by air, land or water and includes accidents ranging from accidental loss of limbs to loss of life.

There are two main plans available. For covered accidents, you can choose from The Hartford's:  

• High Limit Accidental Death Insurance Rewards Plan. With the High Limit Accidental Death Insurance Rewards Plan, you'll have accidental death coverage anywhere and at any time. Your family will be protected with cash benefits whenever the death occurs within 90 days of the covered accident. 
• Classic Care Accident Insurance Rewards Plan. With the Classic Care Accident Insurance Rewards Plan, you'll have different benefits for accidental death as well as outpatient, hospitalization and recuperation. 

Why Work With AAA for Travel Accident Insurance? 

Our travel accident insurance delivers a fast, convenient solution whenever you are planning a family or business trip. If you are a AAA member, you can take advantage of guaranteed-acceptance plans through The Hartford. 

Your coverage is designed to ease potential financial burdens that could arise from any unexpected injury or death while you are traveling. You'll have benefits for both medical care and loss of life, helping protect you and your family. Through our exclusive member plans, you'll receive coverage and additional protection ranging from medical bills to mortgage payments and funeral expenses. 

Contact AAA Central Penn for Travel Accident Insurance Coverage 

At AAA, we are here for more than just emergency roadside assistance. As a member, we can also provide you with peace of mind as you travel through our accident insurance coverage. 

To learn more about our insurance coverage options — as well as all the other benefits, perks and discounts you have access to as a member — give us a call at 800-717-4222 to speak with an agent. If you aren't a member yet,  check out our different membership levels  and reach out to enroll today.

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Table of Contents

What is travel insurance?

Does travel insurance cover death, how to get accidental death travel insurance, filing a claim, accidental death travel insurance recapped.

Vacations are always exciting. The chance to get out of town, see some new things and explore new places is an opportunity many dreams of. However, traveling is always risky, especially if you intend to undertake activities such as hiking or bungee jumping. Travel insurance can help protect you if things go awry, with coverage such as emergency medical insurance, trip cancellation insurance and accidental death insurance. But do you need travel life insurance — and how does it work? Let's take a look.

There are many different kinds of travel insurance available to customers, and the type you'll need will depend on travel style, destination and how long you'll be away. Generally speaking, here are some of the more common types of travel insurance:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

» Learn more: How much is travel insurance?

You'll find a few different varieties of coverage within the broader accidental death travel insurance umbrella. Generally speaking, the way that accidental death travel insurance works is that you'll purchase a policy covering the period that you're away. Then, if a covered accident occurs, you or your designated beneficiary will receive the payout from your insurance company. Despite its name, accidental death travel insurance can cover more than just death. Here are some different types of injuries that your insurance policy may cover:

Loss of life.

Loss of speech and/or hearing.

Loss of thumb and index finger on the same hand.

Loss of hand/s.

Loss of foot/feet.

Loss of eye/s.

The amount you'll be paid will be determined by the policy you've purchased and the extent of your injuries. Depending on your policy, your spouse and unmarried children may also be covered against accidental death. You'll also want to be aware that different accidental death travel insurance policies can cover you at different times. Accidental death flight insurance, as you'd suspect, will provide coverage for you while you're flying. Meanwhile, 24-hour accidental death insurance will protect you anytime during your trip. You don't need to be traveling for your policy to be enacted, though there are certain limitations to this. For example, don't expect to be covered while you're in the middle of skydiving. Finally, common carrier accidental death insurance insures you while traveling on any ticketed public transportation. This can be flights, buses, ferries or even trains. » Learn more: What to know before buying travel insurance

Just like there are multiple types of travel insurance, there are various ways to acquire accidental death travel insurance.

Buy a policy

Probably the most common option is to purchase a policy for life insurance from an insurance company. Whether you're looking for accidental death insurance or trip cancellation insurance, you can find policies to cover various issues from providers. Before you buy a plan, be sure to gather as many quotes as possible. Different levels of coverage will affect the cost of your policy, as will your age, travel dates, destination and residency. Websites like Squaremouth can help you find the best policy to suit your needs. For example, Squaremouth compares coverages and costs from a wide variety of providers on a single screen as an aggregator. Expect insurance coverage amounts ranging from $10,000 to $1 million. » Learn more: The best travel insurance companies

Use your credit card

If you hold a travel credit card, you may be eligible to receive accidental death insurance for free. Many different types of credit cards provide trip insurance , including:

Trip cancellation insurance.

Trip delay insurance.

Emergency medical insurance.

Accidental death insurance.

The type of insurance you'll receive will vary greatly depending on which card you hold, so you'll want to read your guide to benefits carefully if this is something you'll be relying on. The Chase Sapphire Reserve® , for example, provides you two types of accidental death insurance. You'll be covered throughout your trip with 24-hour coverage if you charge your travel bookings to the card. The coverage limits and payouts will differ, however, based on when the incident occurs.

Chase's 24-hour travel accident insurance only covers you for the first 30 days you're out of the country.

The Platinum Card® from American Express , meanwhile, will only provide you with common carrier accidental death insurance, though you'll also be covered when en route to and from your common carrier. Terms apply. » Learn more: The best travel credit cards right now

The process for making a claim on your insurance will vary based on your provider. For example, you may need to contact a benefits administrator or create a file online. Usually, you'll have a specific period during which you must report the incident, file the claim and complete your documentation. Documents that you can expect to turn in with your claim include the following:

Your completed claim form.

A copy of your travel itinerary.

A police report confirming the accident.

A death certificate.

Have a plan for submitting the required documentation ahead of your trip. » Learn more: Does travel insurance cover medical expenses?

Travel insurance, as a whole, can be a good option for you if you're worried about accidents while you're away from home. Along with emergency medical and trip cancellation insurance, accidental death insurance can provide you and your family coverage when things go wrong. Before buying a policy, however, be sure to check if your credit card already provides complimentary travel life insurance. Doing so can save you money while ensuring you're always protected.

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.

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℠.

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 RV Insurance Review | Money

W hen it comes to hitting the road and exploring the great outdoors in the comfort of a recreational vehicle (RV), having the right insurance coverage is a must. RVs are valuable investments that require protection from unforeseen events.

One RV insurance provider is The American Automobile Association, usually called “Triple-A” (AAA). The company is most well-known for its roadside assistance services and travel discounts, but AAA also offers insurance products to its club members.

In this AAA RV insurance review, we’ll look at the company’s offerings, pricing, financial stability, accessibility and customer satisfaction to help you choose the best RV insurance for your needs.

AAA RV insurance pros and cons

Extensive coverage options, offers emergency roadside assistance, membership includes additional benefits, only available to aaa members, coverage varies by region, pros explained.

Similar to car insurance, AAA RV Insurance offers comprehensive coverage that includes protection for your RV against accidents, collisions, theft and vandalism, as well as liability coverage in case of bodily injury or property damage to others. In addition to these basic coverages, as a AAA member, you get roadside assistance.

Although coverage varies by state, there are two options you can add to your RV insurance policy for an extra fee: personal property protection for items kept in your RV and travel expenses coverage if you need to stay somewhere else while your RV is repaired.

One of the standout features of AAA is its emergency roadside assistance, a feature that not all insurance companies offer. Whether your RV has a flat tire, mechanical breakdown or empty fuel tank, AAA RV roadside assistance can help, giving you peace of mind during your travels. All AAA memberships include roadside assistance for you and the car you are in. Extending coverage to your RV may be included on some plans in certain states but must be added for an extra cost in other areas.

AAA could be a good option for RV owners due to its many travel-related perks. In order to purchase the company’s RV insurance, you must purchase a AAA membership, but it comes with extra benefits that may make it worth it. You can access discounts at hundreds of places, including hotels, restaurants, movie theaters and attractions. In addition, AAA memberships include travel agent services, savings on rental cars, identity theft monitoring, DMV services at local branches and more.

Cons explained

AAA RV insurance is only available to AAA members. While this is an extra yearly cost, you get all of the features of a AAA membership. You can purchase a membership through your local club to access the insurance products and other benefits.

AAA’s RV insurance protection options and prices vary significantly based on your region. For example, in some states, you can extend your roadside coverage to include your RV for an extra cost but it may be included in other states. You can contact your local AAA branch to see what coverage is available in your area.

AAA RV insurance offerings

AAA RV insurance covers a variety of vehicles, from travel trailers to campers. Before you can purchase AAA RV insurance, you’ll need to get a club membership. AAA offers three different membership tiers at varying prices. The levels are called Classic, Plus and Premier.

The Classic level typically doesn’t offer RV roadside assistance. At the Plus and Premier tiers, some AAA clubs include RV coverage at no additional cost, while others charge an extra fee to add it. In addition to roadside coverage, you can choose to purchase an RV insurance policy. We’ll explore the membership tiers below, followed by the RV insurance options.

AAA Plus membership

Purchasing a AAA Plus membership may offer you the following types of benefits, but you’ll need to check with your local AAA club to confirm what is offered in your region.

• Towing services
• Locksmith service reimbursements
• Emergency fuel delivery
• Battery jumpstart and replacement service
• TripTik travel planner
• Identity theft monitoring
• AAA maps and travel discounts
• Car repair discounts
• Lost baggage and trip interruption coverage when traveling
• Hotel, movie tickets and restaurant discounts
• DMV, passport photos and notary services at local AAA branches
• RV and motorcycle service coverage

AAA Premier membership

With the AAA Premier plan, you’ll have the benefits included in a AAA Plus membership and more. AAA Premier generally expands your Plus-level coverage to include more miles for towing and higher reimbursement levels. It may also add extra features like the following:

• Emergency car rental
• Home lockout service reimbursement
• Pet injury coverage
• Refund for windshield repair
• Emergency medical transportation
• Travel accident insurance

AAA RV insurance

Once you’ve enrolled in a Plus or Premier membership, AAA insurance policies are available for you to purchase. Aside from RV insurance, AAA offers auto, home, pet business and life insurance.

AAA typically offers the following RV insurance coverage types:

• Comprehensive
• Uninsured motorist
• Medical payments

Additional RV insurance options

If you’re using your RV as your primary residence, add-ons for full-timers may include the following options.

• Personal property coverage : Protects your belongings in case of theft or damage
• Travel expenses : Provides coverage for accommodations if your RV needs repairs

AAA RV insurance pricing

AAA RV insurance costs can vary based on several factors, including the type of coverage you choose, the make and model of your RV, your driving history and your location. You may also qualify for insurance discounts. Getting a personalized quote from your local AAA club is advisable to determine the exact pricing for your RV insurance.

In addition to your insurance premiums, a yearly AAA club membership costs anywhere from around $40 to $186 or more per year, depending on the coverage level you choose and the prices set in your region. Some clubs include RV coverage in the Plus or Premier level, while others charge more to add RV roadside assistance coverage. For example, in Ohio, you’ll pay an extra $37 per year to add RV roadside coverage to your AAA Plus or Premier membership. In California, a AAA Premier membership includes RV roadside coverage at no additional cost. There may also be a one-time membership enrollment fee of $10 to $15 or more when you purchase a new membership.

AAA RV insurance financial stability

Established in 1902, AAA has a long-standing history. Each AAA club functions as an independent and not-for-profit organization. Furthermore, each club is governed by its own board of directors. To be a part of AAA, every club commits to offering specific standard services, but the exact membership dues and services provided differ from one club to another.

Each AAA club partners with different affiliated insurance providers. CSAA Insurance Group offers insurance products to AAA members in 23 states and Washington, D.C. The company, founded over 100 years ago, is rated A+ (Superior) by AM Best, an independent insurance rating agency. The Auto Club Enterprises Insurance Group provides insurance to members in 21 states and is also rated A+ (Superior) by AM Best.

AAA RV insurance accessibility

AAA encompasses 32 independent clubs with more than 1,000 local branches. Visiting the organization’s website and entering your zip code will redirect you to the AAA website specific to your region. You’ll find membership information and prices specific to your local area there. You can browse your club’s site for details about RV insurance availability and find contact details and branch locations.

Availability

AAA has clubs and branches across all 50 U.S. states, Washington, D.C., Puerto Rico and Canada. However, its services and products will vary between states and provinces. Before considering AAA RV insurance, check with your local AAA club to confirm whether it’s offered in your area.

Contact information and user experience

Enter your zip code on AAA’s main website to find the locations of your nearest branches. Every club has its own website with contact information, including phone numbers and online contact forms. There are also physical AAA branch locations you can visit.

You can reach AAA emergency roadside assistance at the following number: 800-AAA-HELP (800-222-4357).

The AAA mobile app allows users to request roadside assistance, manage insurance policies, check nearby gas prices, access the TripTik travel planner and more.

AAA RV insurance customer satisfaction

Customer satisfaction is an important factor to consider when evaluating any insurance provider. We looked at the J.D. Power 2022 U.S. Auto Insurance Study to see how various AAA clubs rank for overall customer satisfaction. While some clubs ranked above the average, others fell short.

For example, the Auto Club of Southern California ranks second in California with 844 points out of a 1,000-point scale. In the North Central region, which includes Illinois, Indiana, Michigan, Ohio and Wisconsin, AAA ranks slightly below the local average of 838 points with 810 out of 1,000 points.

AAA insurance has mixed ratings across customer review platforms, but your experience can vary significantly based on your location. Each AAA club has its own Better Business Bureau (BBB) page, and the ratings and reviews were similar across the clubs we evaluated on the site. For example, AAA Northeast and AAA Nebraska are both BBB-accredited with A+ ratings, and the AAA Ohio Auto Club is BBB-accredited with a B rating.

AAA RV insurance FAQs

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The availability and price of adding RV coverage to your AAA membership varies by state. You may have the option to extend emergency roadside assistance, towing service and other benefits to your RV. Membership also allows you to purchase AAA RV insurance for liability, collision, comprehensive and personal coverage options, depending on your location.

The cost of AAA RV insurance varies depending on the type of policy, your state of residence, the make and model of your RV, your driving record and more. To get an accurate quote, you can contact your local AAA club.

How we evaluated AAA RV insurance

To conduct this review of AAA RV insurance, we evaluated the following things:

• Coverage offerings : We examined the levels of AAA RV membership as well as the available RV insurance offerings.
• Pricing : We assessed the affordability and value of AAA RV membership cost and coverage.
• Financial stability : We researched AAA’s financial strength and longevity to determine its ability to fulfill policyholder claims.
• Accessibility : We evaluated AAA’s availability, contact options and user experience to assess its accessibility and customer support.
• Customer satisfaction : We considered customer feedback and reviews to gauge overall satisfaction levels with AAA RV insurance.

Summary of Money’s AAA RV insurance review

Considering AAA for RV insurance may be worthwhile for RV owners due to its extensive coverage, added benefits like hotel discounts and reliable emergency roadside service. With different membership levels and coverage options, RV owners can tailor their insurance and AAA membership plans to suit their needs. While the availability of AAA services and products varies depending on location, it has a strong reputation and financial stability.

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