Traveling is an amazing experience, but it could turn into a nightmare if the unexpected happens. As much as we plan our trips, things beyond our control could happen. Baggage could get lost or stolen, flights could get canceled or delayed, and we could get sick or injured during the trip.
That’s where travel insurance comes into play. It provides us with peace of mind and helps us deal with any unexpected situations that could happen during our trips. And when it comes to travel insurance, AAA is a trusted name in the industry. In this article, we’ll review AAA travel insurance and what it offers to its customers.
What Is AAA Travel Insurance?
AAA (American Automobile Association) is a federation of motor clubs across North America. It offers a range of products and services, including travel insurance. AAA travel insurance is underwritten by Allianz Global Assistance, one of the world’s largest travel insurance providers.
AAA travel insurance offers different types of coverage, including:
Type of Coverage |
Description |
|---|---|
Trip cancellation |
Covers the cost of your trip if you need to cancel it for a covered reason, such as illness or injury. |
Trip interruption |
Covers the cost of your trip if you need to interrupt it for a covered reason, such as illness or injury. |
Emergency medical |
Covers medical expenses if you get sick or injured during your trip. |
Baggage loss/damage |
Covers the cost of lost or damaged baggage. |
Travel delay |
Covers additional expenses incurred due to a covered delay. |
Accidental death and dismemberment |
Provides coverage in case of accidental death or dismemberment during the trip. |
Trip Cancellation Coverage
Trip cancellation coverage is one of the most important coverage types offered by AAA travel insurance. It reimburses you for the cost of your trip if you need to cancel it for a covered reason, such as an unexpected illness or injury.
AAA travel insurance covers many reasons for trip cancellation, including:
- Sudden illness or injury of you, your traveling companion, or a family member
- Death of you, your traveling companion, or a family member
- Severe weather that makes the trip impossible to complete
- Strike that results in the complete cessation of travel services at the point of departure or destination
- Terrorist incident that occurs in your destination city within 30 days of your scheduled arrival
It’s important to note that trip cancellation coverage is only available if you purchase your policy before the covered reason for cancellation occurs.
Trip Interruption Coverage
Trip interruption coverage is similar to trip cancellation coverage, but it covers the cost of your trip if you need to interrupt it for a covered reason, such as an unexpected illness or injury.
AAA travel insurance covers many reasons for trip interruption, including:
- Sudden illness or injury of you, your traveling companion, or a family member
- Death of you, your traveling companion, or a family member
- Severe weather that makes the trip impossible to complete
- Strike that results in the complete cessation of travel services at the point of departure or destination
- Terrorist incident that occurs in your destination city within 30 days of your scheduled arrival
It’s important to note that trip interruption coverage is only available if you purchase your policy before the covered reason for interruption occurs.
Emergency Medical Coverage
Emergency medical coverage is essential when traveling, especially to countries with high healthcare costs. It covers the cost of medical treatment if you get sick or injured during your trip.
AAA travel insurance offers emergency medical coverage up to $10,000,000 per person per trip. It covers many medical expenses, including:
- Emergency medical treatment
- Hospitalization
- Emergency dental treatment
- Emergency medical evacuation
It’s important to note that pre-existing conditions are not covered under emergency medical coverage unless they meet specific criteria.
Baggage Loss/Damage Coverage
Baggage loss/damage coverage is essential when traveling, especially if you’re carrying valuable items. It covers the cost of lost or damaged baggage.
AAA travel insurance offers baggage loss/damage coverage up to $3,000 per person per trip. It covers many types of baggage loss/damage, including:
- Theft or robbery of baggage
- Damage due to fire, explosion, or natural disasters
- Damage due to transportation carriers
It’s important to note that certain items, such as cash, jewelry, and electronics, have coverage limits.
Travel Delay Coverage
Travel delay coverage is essential when traveling, especially if you have connecting flights. It covers additional expenses incurred due to a covered delay.
AAA travel insurance offers travel delay coverage up to $1,500 per person per trip. It covers many types of travel delay, including:
- Inclement weather
- A strike that results in the complete cessation of travel services at the point of departure or destination
- A natural disaster that makes the trip impossible to complete
- Terrorist incident that occurs in your destination city within 30 days of your scheduled arrival
It’s important to note that you’ll need to provide proof of the delay and additional expenses incurred.
Accidental Death and Dismemberment Coverage
Accidental death and dismemberment coverage provides coverage in case of accidental death or dismemberment during the trip.
AAA travel insurance offers accidental death and dismemberment coverage up to $250,000 per person per trip. It covers many types of accidents, including:
- Accidental loss of life
- Accidental loss of limbs or sight
AAA Travel Insurance Reviews
AAA travel insurance has received mixed reviews from customers. Some customers are satisfied with the coverage and service, while others have had negative experiences. Here are some of the pros and cons of AAA travel insurance based on customer reviews:
Pros
- Wide range of coverage options
- Fairly priced compared to other travel insurance providers
- Good customer service
Cons
- Complicated claims process
- Some customers have had difficulty receiving reimbursement for claims
- Some customers have had negative experiences with customer service
It’s important to research and compare different travel insurance providers before purchasing a policy to find the best fit for your needs.
FAQ
Is AAA travel insurance worth it?
It depends on your needs and preferences. AAA travel insurance offers a range of coverage options at a fair price compared to other providers. However, some customers have had negative experiences with the claims process and customer service.
How do I file a claim with AAA travel insurance?
You can file a claim with AAA travel insurance online or by phone. You’ll need to provide your policy number, details of the claim, and any relevant documentation. The claims process can be complicated, so it’s important to read and follow the instructions carefully.
Can I cancel my AAA travel insurance policy?
Yes, you can cancel your AAA travel insurance policy at any time before your trip starts for a full refund. However, if you cancel your policy after the trip has started, you may not receive a refund.
Does AAA travel insurance cover pre-existing conditions?
AAA travel insurance may cover pre-existing conditions if they meet specific criteria. It’s important to read the policy carefully and contact AAA travel insurance if you have any questions.
Can I purchase AAA travel insurance if I’m not a AAA member?
Yes, you can purchase AAA travel insurance even if you’re not a AAA member. However, AAA members may be eligible for discounts and other benefits.
Conclusion
AAA travel insurance offers a range of coverage options at a fair price compared to other providers. It covers many unexpected situations that could happen during your trip, such as trip cancellation, emergency medical, baggage loss/damage, travel delay, and accidental death and dismemberment. However, some customers have had negative experiences with the claims process and customer service, so it’s important to research and compare different travel insurance providers before purchasing a policy.