AAA Travel Insurance Review: Comprehensive Coverage Worth Considering
AAA travel insurance, administered by Allianz Global Assistance, offers comprehensive coverage for both domestic and international travelers without requiring AAA membership. Here's what you need to know:
Key Coverage Options:
Single-Trip Plans:
- Essential Plan: Basic trip cancellation and interruption coverage
- Basic Plan: Adds medical coverage and increased baggage/delay protections
- Classic Plan: Enhanced coverage with CFAR option
- Premier Plan: Doubles emergency medical and other key benefits
- Optional Rental Car Damage protection available
Annual Plans:
- Deluxe Plan: Focuses on medical coverage abroad
- Executive Plans: Three tiers with varying trip cancellation coverage ($5,000-$10,000)
- 45-day maximum per trip for all annual plans
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Notable Features:
- Coverage for domestic and international travel
- No AAA membership required
- Flexible policy options for different travel needs
- CFAR upgrade available on select plans
- Rental car damage protection available
Key Exclusions:
- High-risk activities (skydiving, bungee jumping)
- Losses from intoxication or illegal activities
- Epidemics, natural disasters, and war
- Medical coverage not included in basic plans
AAA travel insurance coverage comparison table
Cost Considerations:
- Pricing varies by state, trip duration, and coverage level
- Sample cost: $97-$211 for a $3,000 two-week trip to Spain
- Annual plans range from $275-$785
- CFAR upgrade adds approximately $71 to Classic Plan
Ideal For:
- Frequent travelers (annual plans)
- International travelers needing medical coverage
- Business travelers (Executive Plans)
- Those seeking rental car protection
- Travelers without existing credit card travel benefits
Consider your specific needs, existing coverage through credit cards, and trip details when selecting a plan. Review policy details carefully as coverage can vary by state and destination.