The types of AAA travel insurance policies offered to you will depend on where you live. AAA travel insurance products and member benefits can vary by state.
Still, AAA’s travel insurance policies generally provide the following types of coverage that can help you recoup the nonrefundable money you’ve laid out for a trip if the unexpected happens. The medical insurance within AAA policies is also very important, especially if you’re traveling outside the U.S.
Trip cancellation coverage: Trip cancellation insurance reimburses you for prepaid, nonrefundable expenses—for example, hotel stays, flights and excursions—if you cancel your trip because of a problem that’s listed in the policy.
Travel medical insurance: This pays for emergency medical and dental expenses if you get sick or injured during your trip. Some of the costs that travel medical insurance can compensate you for include hospital bills, lab work and prescription medication, up to the policy’s medical coverage limit.
Emergency medical evacuation: If you need a high level of emergency care, emergency medical evacuation insurance pays for transportation to the nearest hospital that can treat your condition. If this happens, AAA’s travel agents will coordinate the transportation for you.
Travel delay insurance: Travel delay insurance pays for temporary accommodations if your trip gets delayed due to a problem listed in the policy. For example, if your flight gets delayed until the next day, your insurance will pay for a hotel room and meals, up to the plan’s coverage limit. Travel delay insurance also reimburses you for prepaid, nonrefundable travel expenses for missed portions of your trip. Note that required waiting periods apply to travel delay benefits.
Travel interruption insurance: If something happens during your trip and you need to leave early, trip interruption insurance can pay for your transportation home, such as a last-minute flight. It also compensates you for money lost on nonrefundable expenses for the part of your trip you miss.
Baggage and personal effects: If your luggage is damaged, lost or stolen, baggage insurance can pay you the depreciated value of your suitcases and the items you packed. If your baggage is delayed for the specified amount of time listed in your policy, baggage delay insurance can pay for the essentials you need before your baggage arrives, such as toiletries and clothing. Baggage insurance also provides coverage for your personal items that get damaged or stolen during your trip.
