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AAA Travel Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.4
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Financial Strength: A+
BBB Rating: A+
Coverages: 5/5

Travel insurance is either a must for some people or an absolute no-no for others; there really isn’t any in-between. However, travel insurance does provide a substantial amount of benefits, especially in the case of unexpected cancellations, accidents, delays, baggage loss, and more. 

Out of all travel insurance service provides, the name AAA stands out for multiple reasons. Here, we compile AAA travel insurance reviews into one detailed article to help you decide if the service is worth it or not.

 In this article, you will learn about the company, its travel insurance policy, buying and claims processes, pricing, discounts, customer reviews, information on the financial strength, comparison with competitors, and a lot more.

About the Company

The origin of AAA dates back to the early 20th Century when there were just 23000 cars in the entire United States, in comparison to 17 million horses, which were the primary mode of transport then. Even then, there were around 50 auto clubs run by motor car enthusiasts. The very same enthusiasts joined hands in 1902 to lay the foundation for AAA travel insurance company.

The auto clubs merged into one organization named American Automobile Association. The earliest goal of the club was to ensure safe and efficient automobile traffic. Though the company is now a family of over 50 million members and offers an array of services, its basic motto is to ensure the provision of safe and efficient transportation. 

However, the scope of operations is no longer limited to automobile traffic. The company now also provides Auto, home, business, life, other vehicle, property, and travel insurance. You also have the option of becoming a member to get access to some exclusive offers, especially the AAA travel insurance for members.

AAA is a private, not-for-profit organization that partners with various insurance service providers to provide insurance coverage. It is the largest full-service travel organization in North America with over 3000 travel agents. For travel insurance, the company partners with Allianz Global Assistance.  

The company is known to offer a wide range of coverage options at varying price points. You have the option to customize your package per trip, or you can purchase an annual plan. The coverage options vary by state, age, health conditions, and more. You can contact the AAA travel insurance phone number to find out details of the options available to you.

How We Reviewed

We followed an extensive procedure before compiling this review. 

During our review, we found AAA’s website to be very user-friendly. The site is also very well-explained and contains all information from what is AAA travel insurance to what options are available and how you can customize them to suit your needs. When you visit the site, you have to enter your zip code, and the site automatically tailors the information as per your location and the coverage options available to you. 

Where Is It Available

AAA travel insurance is headquartered in Heathrow, Florida United States, and is the biggest full-service leisure travel organization in North America. The company provides services all across the United States and Canada as well as most other countries in the region. Members of AAA travel insurance USA enjoy substantial perks and discounts in all countries the company operates in. 

Travel Insurance Review

Because AAA partners with and relies on Allianz to provide travel insurance services, this is more an Allianz travel insurance review. The company provides a wide range of coverage options for its members and one-time-customers alike.  You have the option of choosing single trip plans or purchasing annual memberships.

There are four types of coverage options in the single trip plans; you can choose from the essential, basic, family care, and deluxe packages available.  With the essential AAA travel insurance plan, you get basic trip cancellation or interruption coverage. 

The AAA Family care package offers cancellation and trip insurance coverage as well, with up to $25,000 emergency medical and dental coverage and up to $500,000 medical transportation. 

The basic plan provides trip cancellation and baggage loss coverage besides affordable emergency coverage for those looking for something cheaper. 

The AAA deluxe package provides a full range of services, including insurance, travel assistance, and even concierge services. You also get higher emergency medical and dental coverage as well as transportation coverage for up to $1 million. The service can also include private jet transportation if need be. 

Besides AAA travel medical insurance, trip cancellation, and baggage loss coverage, you can also get rental car protection, protecting you from having to pay for covered repairs, including collision damage.

The coverage amount depends upon various factors, including pre-existing medical health conditions for many seniors.  The company also offers annual travel plans and packages: Annual Deluxe and Annual Executive. 

The exact payment plan and coverage will vary by state, age, and coverage types you opt for. However, to get the maximum full cancellation coverage and AAA travel insurance benefits, you will have to notify your travel agent at least 72 hours in advance. 

Travel Insurance Pricing

In terms of pricing, AAA ranks on the higher side. The company is slightly more expensive than others offering the same services. 

For a two-day trip to Spain, an average 45-year old adult can expect to pay anywhere around $100 - $120 for the essential and the basic plans, $140 for the family care, and around $180 for the deluxe/premier plan.  

You can refer to the table below to get an idea of the AAA travel insurance cost and services available to you with different plans. The exact coverage amount will vary by age, travel plans, and medical health conditions.

Single Trip Plans Annual Plans
Essential Basic Family Deluxe Deluxe Executive Executive Executive
Hypothetical Cost 100 110 140 180 $275 $500 $620 $785
Pre-existing medical conditions - Yes  Yes Yes Yes Yes Yes Yes
Trip interruption Yes Yes Yes Yes Yes Yes Yes Yes
Change fee coverage - - Yes Yes - Yes Yes Yes
Loyalty program redeposit fee coverage - - Yes Yes - Yes Yes Yes
Travel delay Yes Yes Yes Yes Yes Yes Yes Yes
Baggage delay - Yes Yes Yes Yes Yes Yes Yes
Emergency transportation - Yes Yes Yes Yes Yes Yes Yes
Emergency medical and dental - Yes Yes Yes Yes Yes Yes Yes
Rental car damage and theft - - - - Yes Yes Yes Yes
Travel accident - - - - Yes Yes Yes Yes
Concierge - - Yes Yes Yes Yes Yes Yes
Business Equipment  - - - - - Yes Yes Yes
Business Equipment delay - - - - - Yes Yes Yes
Trip cancellation Yes Yes Yes Yes Yes Yes Yes Yes
24-hour assistance Yes Yes Yes Yes Yes Yes Yes Yes


Travel Insurance Discounts

AAA has official collaborations with a number of companies and luxury resorts across the North American region. The company provides its members with substantial discounts through these collaborations. The company has over 120,000 partnerships in North America and over 150,000 partnerships worldwide.

In fact, in 2014 AAA members enjoyed travel savings of up to $1 billion. You can also avail of the loyalty discount program the company offers. However, you don’t get the bundle and save discounts with travel insurance by AAA.

Customer Satisfaction and Financial Strength Review

There is no AAA insurance AM best rating for AAA travel insurance. AAA partners with various insurance service providers to provide insurance coverage to its members. The company is not an insurance company in itself but is a not-for-profit private organization. However, it’s partnering company Allianz, through which AAA provides travel insurance coverage, has an A+ AM best rating. 

AAA does enjoy a favorable customer satisfaction report. The majority of the users are all praise for the service, its user-friendliness, availability of diverse coverage options, and more. In fact, the company has a 5-star rating on the Better Business Bureau page and an A+ AAA insurance BBB rating

In almost two decades that the company has been registered with BBB, there have been a negligible number of complaints. In fact, the consumer satisfaction rate for travel insurance by AAA is pretty high. The company offers a full range of services and affordable coverage options for all educated travelers.  

Customer Support

The company offers an excellent customer support network. You can get access to the customer service center seven days of the week. You can contact AAA insurance customer service from 8:00 am to 10:00 pm from Monday to Friday, Mountain Standard Time (MST), and from 8:00 am to 8:00 pm MST on Saturday and Sunday.

You can also reach the company via online support from Monday to Friday between 9:30 am to 6:00 pm MST. If you want help with online car, hotel, or air reservations, you can reach out to the company on their toll-free number 24/7 and an agent can guide you to the best available options.

AAA customer service is one major reason behind the company’s low complaint rate. Not many other companies offer a 24/7 customer helpline number. 

However, you can reach out to the company through AAA insurance customer service number, 844-236-6556 for help with online bookings, queries, or information on cancellation and refunds. You can also access the frequently asked questions section on the website for any general questions you may have.

Ease of Buying and Claims Handling

Another major advantage AAA has over competitors is its completely digital operational model when it comes to claims filing and handling. Not only is the insurance policy easy to buy but also very easy to manage. 

You can either contact an AAA agent to help you manage your insurance coverage, or you can log into your account online and file an AAA travel insurance claim. You can also contact the company on 800-AAA-HELP to get help with reservations, claims, cancelations, and more.

Comparison with Competitors

Travel Guard and Travelex are the two main competitors of AAA. Here we present a comparison of the two to give you an idea of what sets each company apart from the other.


  • 24/7 customer service – you can reach out to the toll-free number to get in touch with an agent to seek help at any time of the year.
  • Locally available agents – local agents are familiar with local insurance policies and requirements, and you can meet them anytime you want.
  • The company partners with different resorts worldwide to bring to you a wide range of discounts.
  • Digital claims filing and processing system makes the claims handling process completely hassle-free.
  • You also get access to a variety of insurance coverage options to suit every traveler’s needs and pocket.
  • You cannot avail bundle and save discount options.
  • Some one-time travel insurance purchasers or travelers may find other services providing the same package at a lower price.

In the conclusion of our review, we hope that this short list of pros and cons for AAA travel insurance will help you decide whether it is the company for you or not.


Who Does AAA Use for Travel Insurance?

AAA provides travel insurance by Allianz Global Assistance, which is one of the best-known travel insurance service providers in the industry with excellent financial strength ratings.

What is AAA Trip Continuation Coverage?

Through the AAA trip continuation coverage, members/policyholders are eligible for reimbursement of up to $500 if their car breaks down for more than 24 hours when they are more than 50 miles away from home.

Can AAA Travel Insurance Be Purchased for a Trip I Booked Myself?

Yes, you can buy AAA travel insurance for a trip you book yourself. You can purchase travel insurance until the day before you leave for your trip. However, we suggest that you do your research and purchase your insurance package at least a few days in advance to avoid falling for an overpriced package.

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