About AAA Travel Insurance

Embarking on a journey can offer immense enrichment, yet it’s essential to anticipate the unexpected. Whether it’s flight delays or unexpected medical issues, unforeseen circumstances can swiftly transform a dream getaway into a challenging ordeal. Fortunately, opting for travel insurance provides both peace of mind and financial security throughout your adventure.

AAA offers travel insurance policies tailored to various budgets, trip types, and coverage requirements. Collaborating with Allianz Travel, a renowned travel insurance company boasting an A+ (Superior) financial strength rating from AM Best, AAA ensures comprehensive and reliable coverage for travelers.

Travel Insurance Plans

The availability of AAA travel insurance policies offered to you is contingent upon your place of residence. AAA travel insurance products and member benefits may differ depending on the state you reside in.

AAA offers a variety of travel insurance policies tailored to diverse budgets, trip types, and coverage requirements. These plans are provided in collaboration with Allianz Travel, a well-established travel insurance company recognized for its A+ (Superior) financial strength rating from AM Best.

TripAssist Choice Basic

The TripAssist Choice Basic plan provides essential protection while traveling, albeit with the least coverage among AAA’s three travel insurance plans. This plan includes coverage for trip delays, trip cancellation (limited to covered reasons), emergency medical and dental care, as well as medical evacuation.

TripAssist Family Care Plan

The TripAssist Family Care Plan offers comprehensive coverage during travel, with the added benefit of complimentary coverage for children under 17. It encompasses the same coverage types as the Choice Basic plan but with significantly higher limits. Additionally, the plan includes access to a dedicated concierge service, missed port of call coverage, change fee coverage, and vehicle return coverage. Moreover, you can receive automatic reimbursement for incurred expenses due to flight and baggage delays, as well as missed ports of call, without the need for receipts or filing a claim.

TripAssist Family Care Plan (with ‘Cancel Anytime’)

This plan mirrors the standard Family Care Plan in terms of coverage types and policy limits. The sole distinction lies in the inclusion of “cancel anytime” benefits: If you decide to cancel your trip for nearly any reason not covered by the base policy, you can receive reimbursement for up to 80% of your nonrefundable trip costs. However, it’s important to review your policy for exclusions related to “cancel anytime” coverage, such as terrorist events and travel alerts issued by a government or public authority.

TripAssist Choice

The TripAssist Choice Plan significantly enhances post-departure coverage compared to the TripAssist Family Care Plan. This includes doubling benefits for emergency medical and transportation, baggage loss insurance, and other aspects. Additionally, it offers proactive compensation for covered travel and baggage delays, as well as missed ports-of-call, without the need for receipts when filing claims.

AAA’s travel insurance plans typically offer the following types of coverage to help you recover nonrefundable expenses in case of unexpected events. The medical insurance provided by AAA policies is particularly crucial, especially for international travel.

• Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses, such as hotel stays, flights, and excursions, if you cancel your trip due to reasons outlined in the policy.
• Travel medical insurance covers emergency medical and dental expenses incurred if you fall ill or sustain an injury during your trip. This coverage may include reimbursement for hospital bills, laboratory tests, and prescription medications, up to the limit specified in the policy’s medical coverage.
• Emergency medical evacuation insurance covers the costs of transportation to the nearest hospital capable of providing the required level of emergency care if you experience a medical crisis during your trip. In such cases, AAA’s travel agents will manage and coordinate the transportation arrangements on your behalf.
• Travel interruption insurance provides coverage if an unforeseen event occurs during your trip, necessitating an early departure. This insurance can cover the costs of transportation back home, such as booking a last-minute flight. Additionally, it compensates you for any nonrefundable expenses incurred for the part of your trip that you missed due to the interruption.
• Travel delay insurance covers the costs of temporary accommodations if your trip is delayed due to reasons specified in the policy. For instance, if your flight is postponed until the following day, the insurance will cover expenses such as hotel accommodation and meals, up to the coverage limit of the plan. Additionally, travel delay insurance reimburses you for prepaid, nonrefundable travel expenses for missed portions of your trip. It’s important to note that there are waiting periods associated with travel delay benefits.
• Baggage and personal effects insurance provides coverage in case your luggage is damaged, lost, or stolen during your trip. It reimburses you for the depreciated value of your suitcases and the items you packed. If your baggage is delayed beyond a specified time period outlined in your policy, baggage delay insurance can cover essential items you need before your luggage arrives, such as toiletries and clothing. Furthermore, baggage insurance extends coverage to your personal belongings that are damaged or stolen while you’re traveling.

Cost of Insurance

A couple of individuals aged 60 from California are planning a trip to Ecuador from May 15th to May 28th, with a total trip cost of $2000. We were given the following insurance options:

The TripAssist Basic plan is the most affordable option at $102, followed by the recommended TripAssist Choice plan priced at $158. Positioned between these two are the TripAssist Family Care plan at $132 and the TripAssist Family Care with Cancel Anytime plan at $196. Since we’re only embarking on a single trip, we can disregard the annual plans.

Customer Support

One of the key advantages of AAA travel insurance is the inclusion of 24/7 travel assistance with all policies. In case of any medical- or travel-related issues during your trip, you can contact Allianz Global at (866) 884-3556 and reference your AAA travel insurance policy to receive assistance with your concern.

Conclusion

AAA works with Allianz to provide travel insurance policies, offering comprehensive coverage including benefits such as coverage for missed ports of call and complimentary coverage for children under age 17. AAA travel insurance presents an appealing option for AAA members seeking standard travel insurance benefits, along with additional advantages like special vacation packages and discounted hotel rates.