AAA Travel Insurance

Protect Your Trip with Allianz Travel Insurance
AAA Exclusive Plans
With a AAA exclusive TripProtect plan from our trusted travel insurance partner Allianz Global Assistance*, you can relax before and during your trips knowing you’re protected in case of:
- Unexpected cancellations
- Travel delays
- Medical emergencies
- Lost luggage
- And More
Unique TripProtect Plan Benefits
Some of our most popular TripProtect plans come with some value-adding benefits that aren’t available with other travel protection plans, including:
SmartBenefitsSM
Get automatic, proactive payments for covered delays on monitored flights and a no-receipts-required payment option for lost or delayed baggage.*
Missed Port of Call
Receive $100 payments, up to your plan’s maximum amount, when your cruise misses a scheduled port of call on your original itinerary or replaces it with another port of call.
Vehicle Return
Get reimbursed the cost of transporting your vehicle back to your residence when a covered illness or injury prevents completion of your trip.
Travel Insurance Plans
A TripProtect plan from AAA can protect you before and during your trip—keeping you, your loved ones, and your travel budget safe. Our most popular plans include:
TripProtect Deluxe | TripProtect Select | TripProtect Cancel Anytime (Must be purchased within 14 days of initial trip deposit or payment.) | |
---|---|---|---|
Trip Cancellation | Up to 100% of trip cost (max. $200,000) | Up to 100% of trip cost (max. $100,000) | Up to 100% of trip cost (max. $15,000) |
Cancel Anytime | Not included | Not included | Up to 80% for almost any reason that your plan does not already cover. |
Trip Interruption | Up to 150% of trip cost (max. $300,000) | Up to 150% of trip cost (max. $150,000) | Up to 150% of trip cost (max. $22,500) |
Trip Change Protector Reimburses fees or extra expenses from a carrier or supplier if you must change your trip itinerary for a covered reason | $1,000 | $500 | $500 |
Emergency Medical/Dental (Primary) Purchase within 14 days of initial trip deposit for time sensitive pre-existing condition benefits (other purchase requirements and conditions apply). | $75,000 ($750 dental max.) | $50,000 ($750 dental max.) | $25,000 ($750 dental max.) |
Emergency Medical Transportation | $1,000,000 | $500,000 | $500,000 |
Travel Delay SmartBenefit: Can pay proactively on monitored flights or allow claims to be filed without receipts, just proof of delay.** | $1,600 (≥ 3 hours) with receipts $200/day no receipts $100/day | $800 (≥ 4 hours) with receipts $200/day no receipts $100/day | $800 (≥ 4 hours) with receipts $200/day no receipts $100/day |
Missed Port of Call SmartBenefit: No receipts for expenses required, just proof of missed port of call. | $300 ($100 per missed port) | $300 ($100 per missed port) | $300 ($100 per missed port) |
Baggage Loss/Damage | $2,000 ($1,000 max for high-value items) | $1,000 ($500 max for high-value items) | $1,000 ($500 max for high-value items) |
Baggage Delay SmartBenefit: Only proof of covered delay required. | $600 (≥ 6 hours) no receipts $100 | $300 (≥ 12 hours) no receipts $100 | $300 (≥ 12 hours) no receipts $100 |
24-Hour Emergency Assistance | Included | Included | Included |
Concierge | Included | Included | Included |
"We have been on many trips and this is the first time we had to submit claims to the travel insurance company. So thankful we had Allianz!”
—AAA Member, August 2023

Mexico Auto Insurance
Traveling to Mexico
If you're driving to Mexico, make sure you're protected. AAA Members receive a discount on any Mexico policy purchased.
We also have coverage options for:
- Auto
- Home
- Watercraft
Want to learn more about our AAA exclusive plans?
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