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Is there a dream trip on your horizon? In the weeks and days before your departure, you’re sure to be filled with optimism and excitement, but you may also feel a bit anxious about the unexpected—delays, lost luggage or medical issues can disrupt even the best-laid travel plans.
That’s where travel insurance comes in. It can help protect your financial investment against unforeseeable events, such as a missed cruise due to a delayed connecting flight, a medical emergency abroad or a lost suitcase, passport or prescription.
Travel insurance through AAA’s trusted partner, Allianz Global Assistance offers convenience, peace of mind and support, whether you’ve already booked your trip or are still finalizing the details.
If you’ve never bought travel insurance, you may be wondering how it works. To help you understand, we’ve answered 10 of the most frequently asked questions, covering everything from coverage details to tech tools, rental car protection and if travel insurance is worth buying.
We’ll give you all the information you need to make an informed decision about safeguarding your vacation investment.
For more than 30 years, AAA has teamed with award-winning insurer Allianz Global Assistance to offer AAA Members valuable travel insurance with special AAA benefits. Allianz Global Assistance holds an A+ rating from AM Best and has been accredited with the Better Business Bureau since 1991.
They’ve won multiple best-of awards from publications including Global Traveler, The Wall Street Journal and U.S. News & World Report, to name a few. Allianz has a presence in 78 countries, can communicate in 70 languages and has a network of nearly 899,170 medical providers ready to give you the best care, anywhere your journey takes you.
You’ve invested your time, energy, and resources into your trip—so it’s only smart to protect that investment. Travel insurance provides peace of mind before and during your journey, with benefits for unexpected disruptions that could otherwise derail your plans.
Here’s what you can expect from travel insurance coverage, especially when secured through AAA’s partner, Allianz:
With travel insurance, you're not just purchasing a policy—you're gaining a safety net that travels with you.
Whether you’re taking an overseas trip or traveling across the United States, you can choose a travel insurance plan that offers benefits for a wide range of travel emergencies and mishaps, including:
Different travel insurance plans will offer a variety of coverage levels and tiers of benefits, allowing you to pick the one most suited to your specific trip. Your AAA Travel Agent can help you review plans.
Travel insurance isn't just for big-ticket international trips—it can also provide valuable protection for smaller getaways, including domestic weekend escapes.
Allianz Global Assistance offers rental car benefits through its Rental Car Damage Protector with no deductible for collision damage or theft of your rental car.
It also includes added benefits like trip interruption coverage for nonrefundable expenses and baggage protection if your luggage is stolen from a locked rental vehicle. It can offer peace of mind, wherever your journey takes you.
Travel with confidence with AAA. Tune in to the Well-Traveled with AAA podcast, “How Travel Insurance Helps You Enjoy Your Vacation,” featuring Dan Durazo of Allianz Partners. Learn how the right coverage can help protect your trip—and your peace of mind.
Listen now
Yes. Before traveling internationally, you'll receive an email with instructions to register for Allianz Global Doctor Visits*, if available in one or more of your destinations.
This service gives you convenient access to mobile scheduling for both virtual and in-person doctor visits while abroad and helps you quickly address unexpected, non-emergency medical concerns—such as a stomach bug, migraine or minor injury—so you can get the care you need and continue enjoying your trip with peace of mind.
Trip insurance takes the worry out of travel, offering peace of mind before and during your journey. Allianz Travel Insurance through AAA adds even more flexibility with a 15-day review period.
From the date of purchase, you can cancel your plan and receive a full refund—provided you haven’t started your trip or filed a claim. It's an easy way to protect your travel investment while keeping your options open
Travel insurance from Allianz is supported by the best-in-class Allyz app to give you immediate assistance at your fingertips. The app is designed to help you get the most out of your travel insurance plan benefits and to handle any travel headache without delay.
You’ll be able to view the details of your plan, get one-click travel assistance, access safety and security features, file a claim and more. The app even has a Global Doctor Visits tool that lets you book a non-emergency medical appointment.
Download the Allyz app for free today from the App Store or Google Play. For additional Allianz tools and resources including a Travel Insurance Plan Finder, a medical translator and phone numbers for hospitals and medical facilities around the world, explore the Local Services for Travelers section of the AAA Mobile app.
Cruises come with their own set of unpredictable challenges, making travel insurance especially important. Cruise insurance through Allianz is specially designed to address the unique needs of cruise travelers.
For instance, if your cruise skips or substitutes a scheduled port of call from your original itinerary, you may be eligible to receive reimbursement for each missed port—no receipts needed.
And if your trip is canceled or interrupted due to severe weather, such as a hurricane, or if a river cruise is affected by high or low water levels, your benefits may apply. With this added protection, you can sail with greater peace of mind, knowing your investment is safeguarded in case of the unexpected.
With select travel insurance plans through Allianz, children 17 and under are covered at no additional cost when traveling with a parent or grandparent. It’s a smart way to protect the whole family—without stretching your budget.
Whether you're planning a weekend getaway or a dream vacation, having coverage for the unexpected helps you travel with confidence.
Absolutely. When you’ve planned and saved for the perfect getaway, the last thing you want is for unexpected mishaps—like flight delays, medical emergencies or lost luggage—to ruin it.
Add travel insurance, even if you’ve already booked, and protect your vacation investment before you go.
Whether you’re setting sail on a cruise, heading overseas or road-tripping across the country, a travel insurance plan from AAA’s trusted partner, Allianz Global Assistance, provides protection tailored to your journey. With 24/7 assistance, medical support, benefits for trip cancellations and interruptions and even rental car protection, it’s more than just a backup—it’s peace of mind that travels with you.
Be insured
Protect your vacation investment with travel insurance through AAA. Many plans include additional features and special AAA benefits.
Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY,
AdministraQve Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance (AGA) or its affiliates. AGA compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans
Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any non-insurance assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.
*USE OF THE AIR DOCTOR SERVICES IS NOT FOR MEDICAL EMERGENCIES. IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY, YOU SHOULD CALL THE EMERGENCY NUMBER IN THE COUNTRY WHERE YOU ARE LOCATED. Air Doctor services are not intended for the treatment of non-emergent or routine medical care; rather, are intended to be used for the care of unforeseen medical events requiring non-emergency attention. Air Doctor is a third
party. When you go to Air Doctor’s website or use Air Doctor’s services, you are subject to Air Doctor’s terms of use, privacy policy, and Air Doctors’ other terms and conditions as provided by Air Doctor. Allianz Global Assistance and Air Doctor are not healthcare providers or medical organizations, and neither Allianz Global Assistance’s staff nor Air Doctor’s staff deliver professional medical services, provide medical advice, or provide medical diagnosis. Allianz Global Assistance
is not responsible for any services, including medical services or advice where provided, provided by Air Doctor or the healthcare providers you may access through its network, or the processing of personal information by Air Doctor or such providers. Allianz Global Assistance does not provide telehealth services. Air Doctor and its affiliated healthcare providers may share your information with Allianz Global Assistance for the purpose of Allianz Global Assistance providing you with insurance and assistance services. Allianz Global Assistance will provide information about your insurance policy to Air Doctor to validate you have a policy in effect. However, this is not a guarantee of coverage. Subject to the terms of your policy, you may be responsible for costs not covered by the Allianz Global Assistance policy. To obtain a guarantee of coverage, or if you have questions about coverage, call Allianz Global Assistance at +1 804-673-1173. Your Allianz Global Assistance Travel Protection Plan may provide direct billing benefits for up to three Air Doctor telehealth sessions per person per trip.
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