
AAA does offer travel medical insurance plans and coverage, but it's not a straightforward process.
AAA's travel insurance plans can be purchased as an add-on to their membership or as a standalone policy.
One of the key benefits of AAA's travel medical insurance is that it provides coverage for unexpected medical expenses while traveling abroad.
AAA's travel insurance plans typically cover medical expenses, including doctor visits, hospital stays, and prescription medication.
What AAA Offers
AAA offers a range of travel insurance plans that cater to different needs. You can purchase their policies for either single-trip or annual (multi-trip) needs.
Their policies provide coverage for domestic and international travel, making them a versatile option for travelers.
You don't need to be an AAA member to buy their travel insurance, giving you the flexibility to choose their services regardless of your membership status.
Insurance Coverage
AAA travel insurance policies often include coverage for trip cancellations, interruptions, travel delays, and trip changes. This can provide peace of mind when planning a trip.

AAA also offers emergency medical and dental care, as well as emergency evacuations. These benefits can be especially important when traveling to areas with limited medical facilities.
In addition to these benefits, AAA provides 24-hour assistance for emergencies such as lost passports or ongoing medical monitoring. This can be a huge help when you're in a foreign country or far from home.
Here are some of the specific benefits you can expect from AAA travel insurance:
- Trip cancellations
- Trip interruptions
- Travel delays
- Trip changes
- Emergency medical and dental care
- Emergency evacuations
- Baggage loss, theft, damage, or delay
Partners with Allianz Global Assistance
AAA Travel partners with Allianz Global Assistance to offer members travel insurance that doubles nearly all the post-departure coverage of the TripProtect Select Plan.
This includes emergency medical and transportation benefits, baggage loss protection, and more. SmartBenefits can pay you proactively for covered travel delays, and not require receipts for missed port of call and baggage delay claims.
With this partnership, you can enjoy extra flexibility to cancel your trip for almost any unforeseen reason that the TripProtect Select plan does not already cover at 100%. You'll receive 80% of your non-refundable trip cost back.

The plan also includes benefits like trip interruption protection, primary emergency medical benefits, 24-hour travel assistance, and more. Plus, the SmartBenefits can pay you proactively for covered travel delays, and not require receipts for missed port of call and baggage delay claims.
Here are some of the key benefits of the partnership:
- Doubles post-departure coverage
- Extra flexibility to cancel your trip
- Trip interruption protection
- Primary emergency medical benefits
- 24-hour travel assistance
- SmartBenefits for covered travel delays
What Insurance Covers?
Travel insurance from AAA can cover a wide range of unexpected events, including trip cancellations, interruptions, and delays. This type of insurance can provide financial protection in case your trip is disrupted or cancelled due to unforeseen circumstances.
AAA travel insurance also covers emergency medical and dental care, as well as emergency evacuations. This can be a lifesaver if you're involved in an accident or fall ill while traveling abroad.
In addition to medical and emergency evacuations, AAA travel insurance policies also provide coverage for baggage loss, theft, damage, or delay. This means you can have peace of mind knowing your belongings are protected.

Some AAA travel insurance policies even include 24-hour assistance, which can help with emergencies such as lost passports or ongoing medical monitoring. This level of support can be a huge relief if you're traveling in a foreign country.
AAA travel insurance policies also offer a range of travel benefits, including discounts on car rentals and hotels, special vacation packages, and a reloadable credit card. These benefits can help make your trip more enjoyable and cost-effective.
Here's a breakdown of some of the key coverage options included in AAA travel insurance policies:
- Trip cancellations
- Trip interruptions
- Travel delays
- Trip changes
- Emergency medical and dental care
- Emergency evacuations
- Baggage loss, theft, damage, or delay
Insurance Plans Offered
AAA offers two types of travel insurance plans: single-trip and annual, which covers multiple trips.
You can purchase AAA travel insurance for both domestic and international travel, making it a versatile option for frequent travelers.
AAA travel insurance plans provide coverage for a range of travel-related issues, including trip cancellations, interruptions, and delays.
Here are the details of the insurance plans offered by AAA:
Whether you're a frequent traveler or just planning a single trip, AAA's insurance plans have got you covered.
Cost and 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.
To get started, you'll need to enter your state of residence, total trip cost, destination, departure and return dates, initial deposit date, and the ages of every traveler.
Entering this information will give you information about the available plans. Be sure to click the View Plan Comparison button, which will give you a side-by-side comparison of coverages and amounts.
Emergency and Overseas
AAA offers coverage for both domestic and international travel, making it a great option for those who need emergency medical assistance while abroad.
Emergency Medical coverage is available through AAA, which includes coverage for COVID-19, emergency hospital transportation, accommodations, and associated fees, as well as emergency dental treatments.
Cancel for any reason trip insurance may be more difficult or even unavailable for some overseas travel with AAA.
You can rely on AAA's coverage for emergency medical situations, including emergency hospital transportation and accommodations, making it easier to focus on getting better.
AAA travel insurance offers plans for single-trip and annual (multi-trip) needs, providing coverage for domestic and international travel.
Frequently Asked Questions
What is the average cost of travel medical insurance?
The average cost of travel medical insurance is around $40 to $80, depending on coverage limits and term length. Affordable options are available, but costs may vary based on individual needs.
What company does AAA use for travel insurance?
AAA partners with Allianz Global Assistance for travel insurance, offering benefits and 24/7 support. Learn more about their exclusive travel insurance program, TripProtect.
Can I buy travel medical insurance only?
Yes, you can buy travel medical insurance as a standalone plan, often referred to as an "emergency medical plan". This type of insurance provides coverage for unexpected medical expenses while traveling.
Sources
- https://northeast.aaa.com/travel/plan-your-trip/travel-insurance.html
- https://www.squaremouth.com/travel-advice/a-quick-easy-guide-to-aaa-travel-insurance
- https://www.travelinsurance.com/2023/04/does-aaa-offer-travel-insurance/
- https://www.wichert.com/blog/2023/07/do-i-need-aaa-or-other-travel-insurance
- https://www.caasco.com/insurance/travel
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