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travel insurance explained

What Does Travel Insurance Cover?


Protect your travel budget with AAA-exclusive TripProtect from our trusted travel insurance partner Allianz Global Assistance and you can have money-saving benefits and 24/7 live assistance.

  • Children Covered: Select plans cover kids 17 and under for free when traveling with a parent or grandparent.
  • Costly Unplanned Expenses: Travel with peace of mind knowing you have coverage for accidents, illness, medical emergencies, delayed or canceled flights, lost luggage and more.
  • Covered Delay: Receive reimbursement for eligible meals, accommodation and transportation expenses during a covered delay.
  • Cruise Missed Port: Receive $100 payment per port if your cruise misses a scheduled port-of-call on your original itinerary or replaces it with a different port-of-call.
  • Cruise Water Level: Your trip cancellation or interruption benefits can be used when water levels are too high or too low for a river cruise to proceed with its scheduled itinerary.
  • Emergency Medical: Plans can reimburse you for care following a covered medical emergency while traveling and arrange and pay for an emergency medical evacuation if needed.
  • Flight Delay: No receipts are required for $100 SmartBenefits® payment* for covered delays with select plans.
  • Luggage Issues: Protection for your lost, stolen, damaged or delayed personal belongings.
  • Severe Weather: When purchased before a hurricane becomes a named storm, travel insurance offers protection against sudden and unforeseen situations and events.
  • Trip Cancellation: Plans can reimburse you for up to 100% of your prepaid, non-refundable trip costs if you have to cancel for a covered reason, such as your traveling companion getting sick.
  • Vehicle Rental: Renting a car means taking on financial risk and plans with rental car insurance coverage help you drive worry-free.
  • Vehicle Return: Plans reimburse you for the cost of transporting your vehicle back to your residence when a covered illness or injury prevents completion of your trip.
  • Veterinary Emergency: Trip cancellation or interruption coverage due to a veterinary emergency for dogs or cats only with select plans.

Added Convenience

  • Assistance Hotline: Get access to the Allianz 24-Hour Assistance hotline for expert, personalized support in a crisis.
  • Hassle-Free Claims: TripProtect plans with SmartBenefits® can provide automatic, proactive payments for covered delays on monitored flights* and a no-receipts-required payment option for lost or delayed luggage.

Purchase with Your AAA Travel Agent or Online Now

  • Even if you didn't book your travel with AAA, you can still purchase an insurance plan with AAA.

Exclusions, terms and conditions apply.

Travel Insurance FAQs

Woman using credit card on laptop to book travel and purchase travel insurance

When should I buy travel insurance?

It's best to purchase your travel insurance through AAA when you book your trip because it gives you the most options for coverage. 

While it's tempting to purchase a cruise or tour operator-offered insurance plan, their benefits may not be what you need. Be sure to weigh all the options before you make a purchase decision. 

Woman looking at Allianz services in the AAA Mobile App

Are there Allianz services in the AAA Mobile App?

In the Local Services for Travelers section in the AAA Mobile App, you'll find travel tools, including a medical translator and emergency phone numbers for hospitals and medical facilities worldwide. 

Download the AAA Mobile App now.

well travelled with aaa travel insurance podcast

Is there a travel insurance podcast?

If you prefer to learn about travel topics through podcasts, we've got you covered with two informative episodes. Listen now:

Visit AAA.com/TravelPodcast for all episodes.

family reading travel insurance articles on AAA website

Are there travel insurance articles I can read?

These quick articles can help you make an informed decision.

Watch our Allianz travel insurance videos for even more insight and helpful information.

Woman using credit card on laptop to book travel and purchase travel insurance

When should I buy travel insurance?

It's best to purchase your travel insurance through AAA when you book your trip because it gives you the most options for coverage. 

While it's tempting to purchase a cruise or tour operator-offered insurance plan, their benefits may not be what you need. Be sure to weigh all the options before you make a purchase decision. 

Woman looking at Allianz services in the AAA Mobile App

Are there Allianz services in the AAA Mobile App?

In the Local Services for Travelers section in the AAA Mobile App, you'll find travel tools, including a medical translator and emergency phone numbers for hospitals and medical facilities worldwide. 

Download the AAA Mobile App now.

well travelled with aaa travel insurance podcast

Is there a travel insurance podcast?

If you prefer to learn about travel topics through podcasts, we've got you covered with two informative episodes. Listen now:

Visit AAA.com/TravelPodcast for all episodes.

family reading travel insurance articles on AAA website

Are there travel insurance articles I can read?

These quick articles can help you make an informed decision.

Watch our Allianz travel insurance videos for even more insight and helpful information.

Best travel insurance

Allianz awards & accolades

AAA Travel's preferred partner Allianz is a leader in the travel insurance industry and has been recognized with the following:

  • 2024 Elliott Advocacy Readers Choice Awards - Best Travel Insurance Provider
  • 2024 Global Traveler's GT Tested Awards - Best Travel Insurance Company
  • 2023 RECOMMEND Magazine Readers Choice Award - Travel Insurance
  • 2023 The Wall Street Journal Buy Side - Best Overall Travel Insurance
  • 2022 Travel Weekly Readers Choice Awards - Best Insurance Provider
  • 2022 Newsweek – Best Customer Service
  • 2021 MONEY Magazine - Six Best Travel Insurance Companies - Best Reputation
  • 2021 US News and World Report - Top 10 Travel Insurance Companies
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Purchase travel insurance to protect your trip

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Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Refer to your plan for restrictions and full details. Insurance coverage is underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52.401, or Jefferson Insurance Company, rated A (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C-XX-01 or 101-P-XX-01, depending on the insured’s state. Allianz Global Assistance is a brand of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

*When you opt in and provide flight information, Allianz Global Assistance will monitor flights and send flight status and benefit alerts, including about flight delays that qualify for automated travel delay payment. Standard message/data rates apply to SMS alerts. SmartBenefits  automated claims system and payment availability is not guaranteed and is subject to Allianz Global Assistance’s sole discretion. All claims subject to policy terms, conditions, and exclusions.