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  • Trip Interruption Expense Reimbursement

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Trip Interruption Expenses

When a good trip goes bad

If a car accident interrupts your road trip, AAA will reimburse you for expenses such as car rental fees, lodging, and meals. Here's how it works:

You're on your way to visit an old friend from college (or taking the kids to visit your parents, heading to a spa with the girls, taking a fishingm trip — whatever!) and partway there...kaboom. Out of nowhere a vehicle clips your bumper. No one is hurt. But your car won't move. It needs a few parts and you're going to have to wait—overnight—far from home and far from your destination.

Even though you may lose a day of vacation, at least you'll have help with the extra expenses. As a AAA Member, you may request reimbursement for reasonable, unanticipated costs for your hotel, meals, and substitute transportation, up to $500 for Classic Members, up to $1,000 for Plus Members and Premier Members are reimbursed up to $1,500 .

If you're on a planned leisure trip that included at least one overnight stay and you're involved in a car crash, call us. One of our friendly Associates will review the rules (your vehicle must be involved in an accident in the United States or Canada, 100 miles or more from home, and vehicle must be inoperable for a minimum of 8 hours) and go over what we can reimburse you for (car rental fees, lodging, and meals).

We'll also remind you that expenses must be incurred withing 72 hours (3 days) of the accident. And that your request for reimbursement must include a police report and original itemized receipts for expenses. So you know exactly what to do and what to expect. Because even when your trip takes a turn for the unexpected, you can depend on AAA.

For information on Trip Interruption Expense Reimbursement and ALL your benefits, download your Member Benefits Guide(PDF) and consult pages 17.

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Trip Interruption Insurance Explained

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is trip interruption insurance?

What does trip interruption insurance cover, what is not covered by trip interruption insurance, how much does trip interruption insurance cost, what's the difference between trip cancellation and trip interruption insurance, trip delay vs. trip interruption coverage, how do i get trip interruption insurance, which insurance coverage is best for me.

Trip insurance is an important consideration if you plan on traveling, and understanding the difference between plan benefits is crucial. Some benefits protect you before your trip begins, such as trip cancellation, while others offer coverage during your travels like trip interruption.

Trip interruption insurance will reimburse the unused portion of your trip if it has already begun and an unexpected incident forces you to return home early. This post-departure benefit is particularly useful when booking expensive trips. Here’s what you need to know about trip interruption insurance and how to get it.

If you miss a portion of your trip due to a covered reason, you can use trip interruption benefits to get reimbursed for any unused, prepaid, nonrefundable trip expenses, such as hotel nights or excursion bookings. You may also be reimbursed for additional charges such as booking a new flight home, additional hotel nights and airport taxi fare. Importantly, trip interruption also applies if your trip is cut short due to a covered COVID-related medical reason .

Because trip interruption insurance kicks in after your trip has begun, it's considered a post-departure benefit. A list of valid reasons for coverage are stated in each policy, but they are usually extraordinary and unforeseen circumstances. For example: illness, injury, the death of the traveler or traveling companion, severe weather, terrorist action, job loss, etc.

Many comprehensive travel insurance plans and some premium travel credit cards offer trip interruption insurance. Depending on the policy, the coverage can range from 100% to 200% of the total trip cost, be capped at a predetermined dollar amount or purchased as an optional add-on.

» Learn more: How to find the best travel insurance

Imagine you go on a $5,000, two-week hiking trip to Bariloche, Argentina, and on the third day of the trip, you fall and hurt your ankle. You go to a local hospital and the doctor tells you that it's sprained and advises you to stay off your feet and not do any hiking. After a few days of taking it easy, the pain becomes worse and you decide to cut your trip short and head home for X-rays and an appointment with a specialist.

If you have trip interruption insurance, you will be reimbursed for the unused, prepaid, nonrefundable hotel stay, your original return flight, the cost of new airplane tickets to return home early and additional transportation expenses such as a taxi to the airport and from your return airport home. The reason for the interruption is considered covered since you’ve sustained a serious injury that prevents your continued participation in the trip. You will need to notify the insurer of the incident within a specified time frame (which will be stated in the policy) and follow the protocol to ensure you receive reimbursement.

Using the Argentina trip example above, if your policy reimburses up to 200% of the trip cost, the benefit payable to you can be up to $10,000. The percentage can be above 100% to account for extra costs that a policyholder may incur to return home. Generally, the reimbursement of your return transportation cannot exceed the cost of economy plane tickets (or the same airfare class as the original ticket), and will be reduced by the amount of any refunds already received from the airline and must usually be the most direct route.

If you don’t have trip interruption insurance, you’ll be at the mercy of the hotel when trying to negotiate a refund for the unused portion of your hotel stay. You would also be liable for the additional costs to get home (a new flight, change fees, and transportation to the airport and from the airport to your home). So, if a last-minute flight home costs $1,000, you’d have to absorb that entire amount.

If you plan on traveling during the ongoing pandemic, ensure that you find a policy that offers COVID-19 coverage .

» Learn more: What kinds of trips should you protect with travel insurance?

Not every reason for interrupting your trip qualifies as a covered reason. Losses sustained due to intentional acts (such as self-harm), pregnancy or childbirth, mountain climbing, war, illegal acts, drug use, and trips taken against the advice of a physician will not be covered. Other exclusions may apply; check your policy for specifics.

Some policies also exclude pre-existing conditions that have occurred within a specified time frame prior to departure. The list of exclusions can vary based on the insurer and the state you live in, so you’ll need to check your policy's fine print to ensure you’re aware of what is and isn’t covered.

» Learn more: The majority of Americans plan to travel in 2022

Trip interruption coverage is usually included within comprehensive travel insurance plans.

Using the same $5,000, two-week trip to Argentina, a search of policies on travel insurance broker SquareMouth (a NerdWallet partner) ranged from $115 to $361, representing 2.3% to 7.2% of the total trip cost. The coverage ranged from 100% to 200% of the trip cost, and some of the lower-priced plans offered coverage in excess of 100%. The more expensive plans usually offered higher limits on medical expenses and evacuation.

If you have a premium travel credit card that offers trip interruption insurance, this coverage is provided free of charge as long as the trip is purchased with the applicable credit card.

Trip cancellation coverage applies in situations where you cancel your trip before it starts. If you haven't left yet, and you have to scrap your plans for a covered reason (such as an injury or illness), you can get some or all of your trip expenses reimbursed through trip cancellation coverage.

Trip interruption insurance, on the other hand, is about when something happens during your trip. Let's say you're on a trip and you suddenly have to get home to deal with a death or injury in the family. Trip interruption insurance will cover this situation, recompensing some or all of the remaining expenses in the trip.

Trip delay insurance covers situations where your trip is delayed, such as when an airline bumps your flight to a later date (which may entitle you to additional flight delay compensation ). The expenses accrued from a delay, such as rebooking fees for hotel rooms, will be covered by trip delay insurance.

Trip interruption insurance, meanwhile, only applies if something happens that makes you cancel the remainder of your plans altogether — rather than just having them delayed.

In general, trip delay insurance will apply when your transportation goes awry. Trip interruption coverage applies when something else (like a medical emergency ) affects your trip.

The two most common ways to get trip interruption coverage are by buying a travel insurance policy or applying for a premium travel credit card that has trip insurance benefits.

The Business Platinum Card® from American Express and many other American Express cards provide up to $10,000 per trip ($20,000 per year) in trip interruption benefits. Terms apply. The Chase Sapphire Reserve® will also reimburse you or your immediate family members up to $10,000 in losses per trip interruption.

These premium cards also include other insurance benefits like trip cancellation, trip delay , emergency assistance and more. If you frequently purchase trip protection benefits, applying for one of the cards that offer travel insurance could make a lot of sense. All these cards offer a multitude of useful travel benefits and various statement credits that will usually offset at least part of the annual fee.

If you’re going on a trip that is more expensive than the limit provided by the credit card, purchasing a separate travel insurance policy is a good bet. Also check that your credit card will cover COVID-related claims before you decide to forego a separate policy.

If you’re going on an expensive trip, getting a travel insurance plan that includes trip interruption coverage makes a lot of sense. If the trip is relatively inexpensive or you already have coverage through your credit card, you may not need to purchase a trip insurance coverage.

However, if you’re looking for additional coverage like travel medical insurance , Cancel For Any Reason (CFAR) and/or your credit card doesn’t have sufficient limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , or AIG .

In some cases, purchasing travel insurance may not be necessary . So familiarize yourself with all available options before you decide whether or not you should purchase a policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

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Money.com

AAA RV Insurance Review | Money

W hen it comes to hitting the road and exploring the great outdoors in the comfort of a recreational vehicle (RV), having the right insurance coverage is a must. RVs are valuable investments that require protection from unforeseen events.

One RV insurance provider is The American Automobile Association, usually called “Triple-A” (AAA). The company is most well-known for its roadside assistance services and travel discounts, but AAA also offers insurance products to its club members.

In this AAA RV insurance review, we’ll look at the company’s offerings, pricing, financial stability, accessibility and customer satisfaction to help you choose the best RV insurance for your needs.

AAA RV insurance pros and cons

Extensive coverage options, offers emergency roadside assistance, membership includes additional benefits, only available to aaa members, coverage varies by region, pros explained.

Similar to car insurance, AAA RV Insurance offers comprehensive coverage that includes protection for your RV against accidents, collisions, theft and vandalism, as well as liability coverage in case of bodily injury or property damage to others. In addition to these basic coverages, as a AAA member, you get roadside assistance.

Although coverage varies by state, there are two options you can add to your RV insurance policy for an extra fee: personal property protection for items kept in your RV and travel expenses coverage if you need to stay somewhere else while your RV is repaired.

One of the standout features of AAA is its emergency roadside assistance, a feature that not all insurance companies offer. Whether your RV has a flat tire, mechanical breakdown or empty fuel tank, AAA RV roadside assistance can help, giving you peace of mind during your travels. All AAA memberships include roadside assistance for you and the car you are in. Extending coverage to your RV may be included on some plans in certain states but must be added for an extra cost in other areas.

AAA could be a good option for RV owners due to its many travel-related perks. In order to purchase the company’s RV insurance, you must purchase a AAA membership, but it comes with extra benefits that may make it worth it. You can access discounts at hundreds of places, including hotels, restaurants, movie theaters and attractions. In addition, AAA memberships include travel agent services, savings on rental cars, identity theft monitoring, DMV services at local branches and more.

Cons explained

AAA RV insurance is only available to AAA members. While this is an extra yearly cost, you get all of the features of a AAA membership. You can purchase a membership through your local club to access the insurance products and other benefits.

AAA’s RV insurance protection options and prices vary significantly based on your region. For example, in some states, you can extend your roadside coverage to include your RV for an extra cost but it may be included in other states. You can contact your local AAA branch to see what coverage is available in your area.

AAA RV insurance offerings

AAA RV insurance covers a variety of vehicles, from travel trailers to campers. Before you can purchase AAA RV insurance, you’ll need to get a club membership. AAA offers three different membership tiers at varying prices. The levels are called Classic, Plus and Premier.

The Classic level typically doesn’t offer RV roadside assistance. At the Plus and Premier tiers, some AAA clubs include RV coverage at no additional cost, while others charge an extra fee to add it. In addition to roadside coverage, you can choose to purchase an RV insurance policy. We’ll explore the membership tiers below, followed by the RV insurance options.

AAA Plus membership

Purchasing a AAA Plus membership may offer you the following types of benefits, but you’ll need to check with your local AAA club to confirm what is offered in your region.

  • Towing services
  • Locksmith service reimbursements
  • Emergency fuel delivery
  • Battery jumpstart and replacement service
  • TripTik travel planner
  • Identity theft monitoring
  • AAA maps and travel discounts
  • Car repair discounts
  • Lost baggage and trip interruption coverage when traveling
  • Hotel, movie tickets and restaurant discounts
  • DMV, passport photos and notary services at local AAA branches
  • RV and motorcycle service coverage

AAA Premier membership

With the AAA Premier plan, you’ll have the benefits included in a AAA Plus membership and more. AAA Premier generally expands your Plus-level coverage to include more miles for towing and higher reimbursement levels. It may also add extra features like the following:

  • Emergency car rental
  • Home lockout service reimbursement
  • Pet injury coverage
  • Refund for windshield repair
  • Emergency medical transportation
  • Travel accident insurance

AAA RV insurance

Once you’ve enrolled in a Plus or Premier membership, AAA insurance policies are available for you to purchase. Aside from RV insurance, AAA offers auto, home, pet business and life insurance.

AAA typically offers the following RV insurance coverage types:

  • Comprehensive
  • Uninsured motorist
  • Medical payments

Additional RV insurance options

If you’re using your RV as your primary residence, add-ons for full-timers may include the following options.

  • Personal property coverage : Protects your belongings in case of theft or damage
  • Travel expenses : Provides coverage for accommodations if your RV needs repairs

AAA RV insurance pricing

AAA RV insurance costs can vary based on several factors, including the type of coverage you choose, the make and model of your RV, your driving history and your location. You may also qualify for insurance discounts. Getting a personalized quote from your local AAA club is advisable to determine the exact pricing for your RV insurance.

In addition to your insurance premiums, a yearly AAA club membership costs anywhere from around $40 to $186 or more per year, depending on the coverage level you choose and the prices set in your region. Some clubs include RV coverage in the Plus or Premier level, while others charge more to add RV roadside assistance coverage. For example, in Ohio, you’ll pay an extra $37 per year to add RV roadside coverage to your AAA Plus or Premier membership. In California, a AAA Premier membership includes RV roadside coverage at no additional cost. There may also be a one-time membership enrollment fee of $10 to $15 or more when you purchase a new membership.

AAA RV insurance financial stability

Established in 1902, AAA has a long-standing history. Each AAA club functions as an independent and not-for-profit organization. Furthermore, each club is governed by its own board of directors. To be a part of AAA, every club commits to offering specific standard services, but the exact membership dues and services provided differ from one club to another.

Each AAA club partners with different affiliated insurance providers. CSAA Insurance Group offers insurance products to AAA members in 23 states and Washington, D.C. The company, founded over 100 years ago, is rated A+ (Superior) by AM Best, an independent insurance rating agency. The Auto Club Enterprises Insurance Group provides insurance to members in 21 states and is also rated A+ (Superior) by AM Best.

AAA RV insurance accessibility

AAA encompasses 32 independent clubs with more than 1,000 local branches. Visiting the organization’s website and entering your zip code will redirect you to the AAA website specific to your region. You’ll find membership information and prices specific to your local area there. You can browse your club’s site for details about RV insurance availability and find contact details and branch locations.

Availability

AAA has clubs and branches across all 50 U.S. states, Washington, D.C., Puerto Rico and Canada. However, its services and products will vary between states and provinces. Before considering AAA RV insurance, check with your local AAA club to confirm whether it’s offered in your area.

Contact information and user experience

Enter your zip code on AAA’s main website to find the locations of your nearest branches. Every club has its own website with contact information, including phone numbers and online contact forms. There are also physical AAA branch locations you can visit.

You can reach AAA emergency roadside assistance at the following number: 800-AAA-HELP (800-222-4357).

The AAA mobile app allows users to request roadside assistance, manage insurance policies, check nearby gas prices, access the TripTik travel planner and more.

AAA RV insurance customer satisfaction

Customer satisfaction is an important factor to consider when evaluating any insurance provider. We looked at the J.D. Power 2022 U.S. Auto Insurance Study to see how various AAA clubs rank for overall customer satisfaction. While some clubs ranked above the average, others fell short.

For example, the Auto Club of Southern California ranks second in California with 844 points out of a 1,000-point scale. In the North Central region, which includes Illinois, Indiana, Michigan, Ohio and Wisconsin, AAA ranks slightly below the local average of 838 points with 810 out of 1,000 points.

AAA insurance has mixed ratings across customer review platforms, but your experience can vary significantly based on your location. Each AAA club has its own Better Business Bureau (BBB) page, and the ratings and reviews were similar across the clubs we evaluated on the site. For example, AAA Northeast and AAA Nebraska are both BBB-accredited with A+ ratings, and the AAA Ohio Auto Club is BBB-accredited with a B rating.

AAA RV insurance FAQs

Is aaa rv insurance worth it, what does aaa rv insurance cover, how much is aaa rv coverage.

The availability and price of adding RV coverage to your AAA membership varies by state. You may have the option to extend emergency roadside assistance, towing service and other benefits to your RV. Membership also allows you to purchase AAA RV insurance for liability, collision, comprehensive and personal coverage options, depending on your location.

The cost of AAA RV insurance varies depending on the type of policy, your state of residence, the make and model of your RV, your driving record and more. To get an accurate quote, you can contact your local AAA club.

How we evaluated AAA RV insurance

To conduct this review of AAA RV insurance, we evaluated the following things:

  • Coverage offerings : We examined the levels of AAA RV membership as well as the available RV insurance offerings.
  • Pricing : We assessed the affordability and value of AAA RV membership cost and coverage.
  • Financial stability : We researched AAA’s financial strength and longevity to determine its ability to fulfill policyholder claims.
  • Accessibility : We evaluated AAA’s availability, contact options and user experience to assess its accessibility and customer support.
  • Customer satisfaction : We considered customer feedback and reviews to gauge overall satisfaction levels with AAA RV insurance.

Summary of Money’s AAA RV insurance review

Considering AAA for RV insurance may be worthwhile for RV owners due to its extensive coverage, added benefits like hotel discounts and reliable emergency roadside service. With different membership levels and coverage options, RV owners can tailor their insurance and AAA membership plans to suit their needs. While the availability of AAA services and products varies depending on location, it has a strong reputation and financial stability.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Review-AAA-RV-Insurance

Provence Insurance group

AAA Trip Interruption Insurance: Peace of Mind for Your Journeys

Traveling can be an exciting adventure, filled with new experiences and cherished memories. However, unforeseen circumstances can sometimes disrupt our travel plans, leaving us stranded or facing unexpected expenses. This is where AAA Trip Interruption Insurance comes to the rescue, providing peace of mind and financial protection during your journeys.

Understanding AAA Trip Interruption Insurance: AAA, or the American Automobile Association, is a well-known organization that offers various travel-related services and insurance products to its members. Among these offerings, AAA Trip Interruption Insurance is a valuable benefit for travelers seeking added protection against travel disruptions. Trip interruption insurance is designed to compensate travelers for non-refundable travel expenses in case their trip is interrupted or cut short due to covered reasons. It acts as a safety net, offering financial reimbursement for expenses incurred during unexpected travel interruptions.

1. Coverage for Unexpected Interruptions: AAA Trip Interruption Insurance provides coverage for certain unforeseen events that can disrupt your travel plans, such as illness or injury, severe weather conditions, flight delays or cancellations, natural disasters, or even the loss of travel documents.

2. Reimbursement for Non-Refundable Expenses: When a covered event leads to the interruption of your trip, AAA Trip Interruption Insurance will reimburse you for non-refundable expenses, such as pre-paid airfare, hotel reservations, cruise bookings, tour packages, and other pre-paid travel arrangements.

3. Emergency Assistance: In addition to financial protection, AAA Trip Interruption Insurance offers access to emergency assistance services. This includes 24/7 travel assistance, such as medical referrals, emergency cash transfers, travel document replacement, and other essential support when you're away from home.

4. Flexibility and Convenience: AAA Trip Interruption Insurance is available as an add-on to your existing AAA membership or travel insurance policy. It offers flexibility to tailor the coverage to your specific travel needs, ensuring you are protected adequately during your trips.

5. Peace of Mind: Knowing that you have AAA Trip Interruption Insurance in place can provide peace of mind throughout your travels. It allows you to focus on enjoying your journey, knowing that you have a safety net to rely on in case of unexpected interruptions.

Purchase Coverage: To benefit from AAA Trip Interruption Insurance, you must be an AAA member and add the coverage to your membership or travel insurance policy. This is typically available as an optional add-on to your existing plan.

Qualifying Events: Covered events that may lead to trip interruption can vary depending on the specific terms of your insurance policy. Common qualifying events include medical emergencies, severe weather, flight cancellations, and documented traffic accidents en route to your destination.

Documentation: In the event of an interruption, it is essential to gather all relevant documentation, such as medical records, travel itineraries, receipts, and any other evidence to support your claim.

File a Claim: To receive reimbursement, you will need to file a claim with AAA. This typically involves submitting the necessary documentation and providing details about the reason for the trip interruption.

Reimbursement: Once your claim is approved, AAA will reimburse you for the non-refundable expenses that were affected by the covered interruption.

AAA offers annual and single-trip travel insurance plans that can cover trip cancellations and medical emergencies. Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Enjoy our AAA Travel Insurance Review. Many members would like to know whether AAA Travel Insurance offers good value. The short answer is no. AAA Comprehensive Trip Insurance is expensive, and has very weak travel medical benefits. AAA Travel Insurance customers would be well advised to compare the market, for better cover and lower prices. Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance. The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

aaa trip interruption insurance

AAA Travel Insurance Plans and Costs

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans. The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

aaa trip interruption insurance

Which AAA Travel Insurance plan is best for me?

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling. If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage. If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals. If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Travel Insurance AAA Deluxe

Insurance, assistance and concierge services with highest levels of coverage is how AAA and Allianz introduce this cover. We think that this is highly optimistic. The insurance cover levels are weak in comparison with the most modest policies that other insurers offer. $50k in Emergency Dental and Medical cover. We would always recommend that at least $100k of medical cover is preferable. Hospitals can often charge in excess of $4k per day. $50k in medical cover flies past pretty quickly in the event of a serious injury. $1m in Emergency Medical Transportation – this is incredibly high cover. We would prefer to see less benefit for evacuation and more for medical cover. The most expensive medical transportation case that we have seen came in at $250k. This involved a large private jet flying from Africa back to the USA with an attending medical team. Whilst it is possible to spend more than this, it seems highly unlikely to be relevant to most travelers.

AAA Travel Insurance Review – Single Trip Protection Plans

The vast majority of people who are interested in AAA Trip Insurance will be searching for Single Trip Protection. AAA offers four different plans for customers – Essential, Family Care, Basic and Deluxe.

AAA Travel Insurance Review – Annual Travel Plans

AAA Trip Insurance offers two different annual travel plans, Annual Deluxe and Annual Executive. The biggest drawback with annual travel insurance plans is that the levels of cover tend to be lower than most people need. AAA Deluxe has only $20k of Emergency Medical cover, which is not substantial. The AAA Executive Plan has only $500 – five hundred dollars – of cover. We have never seen such low amounts on a travel medical plan. This is OK for travelers who have certainty that their own personal health insurance will cover them, but totally inappropriate if not.

What isn’t covered

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect: High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe. Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

FAQs Question And Answer

The cost of a travel insurance policy depends on many factors, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it.

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.

Q: What is AAA Trip Interruption Insurance? AAA Trip Interruption Insurance is a type of travel insurance offered by the American Automobile Association (AAA). It provides financial protection to travelers in case their trip is interrupted or cut short due to covered reasons, such as illness, injury, flight cancellations, severe weather, or other unforeseen events.

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  1. Aaa Trip Interruption Form

    aaa trip interruption insurance

  2. 2011 AAA Car Travel Interruption Protection Reimbursement Form Fill

    aaa trip interruption insurance

  3. What Is Trip Interruption Coverage?

    aaa trip interruption insurance

  4. Trip Interruption

    aaa trip interruption insurance

  5. Travel Medical Insurance vs. Trip Interruption Insurance

    aaa trip interruption insurance

  6. Trip Cancellation Vs Trip Interruption Insurance: What's The Difference

    aaa trip interruption insurance

COMMENTS

  1. AAA Trip Interruption Membership Benefit

    AAA Plus and Premier Members enjoy worldwide trip interruption coverage, lost baggage reimbursements, 24/7 helpline, and other travel benefits. Learn how to join AAA Plus or AAA Premier and get the most from your membership.

  2. AAA Travel Insurance Review: Is it Worth It?

    AAA offers annual and single-trip travel insurance plans that can cover trip cancellations and medical emergencies. Learn about the types of plans, prices, exclusions and benefits of AAA travel insurance. Find out if it's worth the cost for your trip and how to buy it online.

  3. AAA Travel Insurance

    AAA Travel Insurance offers plans from Allianz Global Assistance to protect your trip from unplanned expenses, delays, cancellations, medical emergencies and more. You can get a quote online or with your AAA Travel Agent and enjoy benefits like money-saving discounts, 24/7 live assistance and SmartBenefits®.

  4. PDF Premier Members Receive Trip Interruption Coverage

    Learn how to get reimbursed up to $1500 for many unexpected delays on trips of 100 driving miles or more from home due to vehicle disablement, accident, theft, illness, injury, natural disaster or severe weather. This benefit is provided by AAA Premier Trip Interruption group insurance for AAA Premier members who have a Master Policy with BCS Insurance Company.

  5. Travel Insurance

    AAA travel insurance plans can help protect you before and during your trip, such as trip cancellation, trip interruption, travel delays, emergency medical and dental care, baggage loss or theft, and more. You can get a quote online and contact the award-winning Allianz Global Assistance customer service team 24/7 for support.

  6. Trip Interruption Expense Reimbursement

    If a car accident interrupts your road trip, AAA will reimburse you for expenses such as car rental fees, lodging, and meals up to a certain limit. Learn how to request reimbursement, the conditions, and the benefits of this service for AAA Members.

  7. Cover the Unexpected with Travel Insurance

    Travel insurance usually costs anywhere between 3 and 15 percent of price of the trip, with an average deductible of about $200. Services provided by insurance companies typically include 24-hour multilingual phone assistance while traveling. Policies can cover specific things or a combination of needs.

  8. Trip Interruption Insurance Explained: The Ultimate Guide

    Trip interruption insurance typically reimburses between 100% and 150% of the insured trip cost. Dollar caps for trip interruption insurance are generally between $6,000 and $9,000. Many travel ...

  9. PDF AAA Washington Summary Description Final[1]

    AAA Travel Agency to be entitled to Travel Insurance Benefits. Such persons for whom premium has been paid by AAA are considered Insured Persons under the Master Policy. Benefits (BENEFITS MAY VARY BASED ON MEMBERSHIP LEVEL) Trip Interruption, Per Trip, Per Insured Person or Covered Traveler $1500 TRIP INTERRUPTION

  10. Reimbursement

    Trip interruption and lost baggage reimbursements are available to AAA Plus and AAA Premier Members only. Within the U.S. and Canada, call toll-free: 866-456-3106. Outside the U.S., call collect: 804-673-3390. Although AAA holds its Service Providers to high standards of service, AAA cannot control the manner in which independent Service ...

  11. Travel Insurance

    It also includes benefits like trip interruption protection, primary emergency medical benefits, 24-hour travel assistance, and more. ... With Allianz Travel Insurance through AAA, most plans now include a new SmartBenefit™: Missed Port of Call. If your cruise misses a port or stops change from its scheduled itinerary, you can receive $100 ...

  12. AAA Travel Insurance Review 2024: Pros and Cons

    If you have any medical- or travel-related issues during your trip, call Allianz Global at (866) 884-3556 and mention your AAA travel insurance policy to get help with your problem. AAA Travel ...

  13. Trip Interruption Insurance Explained

    Trip interruption coverage is usually included within comprehensive travel insurance plans. Using the same $5,000, two-week trip to Argentina, a search of policies on travel insurance broker ...

  14. What Does Travel Insurance Cover? (And 5 Other FAQ)

    But AAA travel insurance partner Allianz Global Assistance has made certain temporary claim accommodations for travelers who are affected by COVID-19, including emergency medical care and trip cancellation or trip interruption benefits. Your AAA Travel Advisor can help you stay up to date on current coverage rules.

  15. Trip Interruption Coverage

    Added protection for driving trips that take you more than 100 miles from home. Get reimbursed up to $1500 for many unexpected delays. AAA Premier ® Trip Interruption benefit provides members greater peace of mind when on trips of 100 driving miles or more from home. If your trip is delayed due to an Accident, mechanical breakdown, car theft, unexpected Illness or Injury, natural disasters or ...

  16. Trip Cancellation Insurance FAQs

    Policies vary widely, but trip cancellation insurance is generally intended to help protect you in the following kinds of scenarios: Sickness, injury, death - your own or your traveling companion's - or the death or hospitalization of a close family member. Adverse weather that leads to flight cancellations, or a hurricane warning issued ...

  17. How do I file for Trip Interruption?

    Download and complete the attached Trip Interruption Form and return to the address specified on the form. You may also call AAA at (800) 836-2582 to have a form mailed to you. For rules and guidelines please refer to AAA's Membership Terms and Conditions page.

  18. AAA Membership Benefits, Cost & Services

    Check the AAA Member Handbook for plan and benefit details. 1 Roadside Assistance Satisfaction survey - Rolling 12 month (4/1/22-3/31/23) 2 Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. 3 Upon activation and with proper identification ...

  19. Travel Insurance

    Fill out our online form or call us at: (800) 529-3222. Get a quote. *Terms, conditions, and exclusions apply. Insurance benefits underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured's state of residence. AGA Service Company is the licensed producer and administrator of these plans.

  20. Trip Interruption

    Trip Interruption claim forms are available from Hoosier Motor Club service centers or available for download here. To file for reimbursement, you must submit the following items to the address below within 90 days following the collision: - A copy of the official police report or statement from the law enforcement body that recorded the ...

  21. PDF AAA Plus /RV & AAA Premier /RV Trip Interruption Protection

    A statement from Insurance company stating the vehicle was a total loss, if applicable. ... Members who have previously utilized all four free road service requests for the membership year are not eligible for Trip Interruption Protection. AAA Western and Central New York's Membership Accounting reviews your Trip Interruption Protection Claim ...

  22. Trip Insurance

    Trip cancellation or interruption insurance averages $5 or $6 per $100 of trip costs. AAA says it is always wise to determine whether your existing insurance policies already cover your needs while you and your family are away: Check with your auto insurance company before renting a car to find out if you are covered in the event of an accident ...

  23. AAA RV Insurance Review

    Lost baggage and trip interruption coverage when traveling; Hotel, movie tickets and restaurant discounts; ... AAA insurance has mixed ratings across customer review platforms, but your experience ...

  24. AAA Trip Interruption Insurance: Peace of Mind for Your Journeys

    Understanding AAA Trip Interruption Insurance: AAA, or the American Automobile Association, is a well-known organization that offers various travel-related services and insurance products to its members. Among these offerings, AAA Trip Interruption Insurance is a valuable benefit for travelers seeking added protection against travel disruptions.

  25. AAA Expects Busy Spring and Summer Travel Seasons

    Floridians are actively finalizing travel plans for the year ahead. A new AAA travel survey reveals that 84 percent of residents will travel in 2024; 43% will take more vacations than last year."The travel season is already off to a hot start in 2024," said Debbie Haas, Vice President of Travel for AAA - The Auto Club Group. "Americans c...