Membership Terms & Conditions

As a AAA Northern California, Nevada & Utah, AAA Arizona, Inc., AAA Mountain West, Inc. (collectively, “AAA”) member (each, a “Member” or collectively, “Members”), you are subject to these Membership Terms and Conditions, the Website Terms and Conditions, found here, and any other terms, conditions, or agreements governing your use of AAA products or services, as applicable, all of which are incorporated herein by reference. In the event of a conflict between the Membership Terms and Conditions on the one hand and any other terms, conditions, or agreements on the other hand, the Membership Terms and Conditions shall govern solely with regard to the transactions contemplated herein.

We may amend these Membership Terms and Conditions from time to time, by posting the amended Membership Terms and Conditions on this page. We may also post a prominent notice of material changes to these Membership Terms and Conditions on the home page of the AAA website. Any changes to these Membership Terms and Conditions will be effective immediately for new Members; otherwise these changes will be effective upon thirty (30) calendar days following our posting of a notice on our Site. Accordingly, you should check this page regularly for any updates to these Membership Terms and Conditions. Continued possession or use of your Membership following notice of such changes shall indicate your acknowledgment of, and agreement to be bound by, such changes. Except as provided in this Section, no amendment to these Membership Terms and Conditions will be valid.

AAA Emergency Road Service is an exclusive benefit provided to AAA Members. It is designed to get Members back on the road as quickly as possible. Members must provide a valid Membership card and matching photo identification for all Emergency Road Services.

AAA membership (“Membership”) provides each Member up to an aggregate of four (4) total Emergency Road Services per Membership year, which includes disabled bicycle transportation service (see additional terms and conditions below).

AAA Emergency Road Service coverage includes the following services:

Mobile Battery Service

For vehicles that will not start, AAA road service technicians may provide certain battery services, such as testing of the battery or the vehicle, starting and charging systems, or attempting to jump-start the battery. Members may purchase a AAA-branded battery, which the technician will install for the Member (some labor-intensive installations may require additional charges). Due to safety concerns, the installation may be at a nearby location rather than the original service site. Service hours and battery availability varies by location. Battery charging is not covered by AAA Emergency Road Service.

Tire Change

AAA road service technicians will assist Members in installing spare tires. If an inflated spare is not available or the existing spare is deemed unsafe by the technician, the Member may elect to have the vehicle towed (subject to the towing terms and conditions below). Tire repair is not covered by AAA Emergency Road Service.

Fuel Delivery

AAA road service technicians will provide free delivery of enough fuel to get the Member to the nearest service station. Requests for diesel fuel must be made during a Member’s call for service; diesel may not be available in all locations. AAA Classic Members will be charged for fuel at the market rate. AAA Plus®, AAA Plus® RV and AAA Premier® Members will receive fuel at no charge.

Bicycle Tow

AAA also provides disabled bicycle transportation service to all Membership levels. Bicycle coverage applies to the bicycle ridden by the Member at the time the bicycle becomes disabled. Benefits for bicycle service do not include:

• Reimbursement for impounding ordered by the police or other authority due to a violation of a law or regulation.
• Servicing bicycles located in areas deemed not safely passable, including bicycles located off normally traveled roads or streets.
• Service to unattended bicycles.
• Storage or repair costs.
• More than one transportation per disablement.
• Cost of providing alternate transportation.
• Servicing due to bicycle rider’s fatigue and physical inability to continue, provided that exceptions may apply in instances of an injury resulting from an accident.
• Rendering mechanical first aid or changing a flat tire.
• Rendering service to break or cut a lock on a secured bicycle.

Lockout/Locksmith Service

AAA service technicians are available to provide lockout services for Member vehicles. If the technician is unable to open the vehicle or the Member has lost or broken the key, the Member may elect to have the vehicle towed (subject to the towing terms and conditions). Members are covered for locksmith service reimbursement for parts and labor as detailed below.

• AAA Classic Members are entitled to locksmith reimbursement for vehicles only up to $50 for parts and labor.
• AAA Plus and AAA Plus RV Members are entitled to locksmith reimbursement for vehicles only up to $100 for parts and labor.
• AAA Premier Members are also entitled to locksmith reimbursement for vehicles and Home Lockout Service* up to $150 for parts and labor.

* AAA Premier Members are also entitled to Home Lockout Service. Home Lockout Service is available only for the residence on file for the primary AAA Premier Member and applies only to locks that provide access in and out of such residence. AAA will not reimburse for Home Lockout Service if it is used to change locks for any reason other than lost keys (including but not limited to domestic disputes and security concerns).

Vehicle Assessment Services

AAA roadside technicians may also perform checks of connections and fluids and other vehicle assessments. Any services are provided “as is” without any warranty, guarantee or representation, express or implied, of any kind, and may be temporary in nature. Members should have all vehicles inspected and serviced properly.

Towing 

If a Member’s vehicle cannot be started or driven safely, AAA may provide tow services to a destination as described below. There is a limit of one tow per breakdown incident.

*The one tow for up to 200 miles is limited to one tow per Membership year per household.

AAA may use independent contract stations (“ICS”) to provide Emergency Road Service to our Members.

Members will be responsible for the payment of additional costs and expenses of tows that are in excess of the distances or allotments specified above. These will be charged at the then-current rates of the ICS for that area and must be paid to the ICS at the time of service.

Tow services include tows to the nearest repair facility or the responding ICS’s repair facility (if applicable) to the extent such facility is located within the allotted mileage range.

Winching/Extrication

AAA roadside technicians may perform winching/extrication services on a Member’s vehicle, but only if the vehicle can be safely reached from a reasonable distance (as determined in the discretion of the technician) from a passable, normally traveled road or established thoroughfare, and serviced with the equipment ordinarily used for Emergency Road Services. The AAA roadside technician will assess whether a vehicle will be eligible for winching/extrication. If winching/extrication requires special equipment, more than one truck or additional personnel, the Member may be required to pay for such associated costs.

If a Member’s vehicle is not operable after the services rendered by a AAA road service technician, AAA may assist the Member in locating a nearby repair facility, which may include AAA Approved Auto Repair (AAR) facilities, which are repair shops that have been inspected and certified by AAA. All costs associated with repair services, lodging or alternative transportation are at Member’s expense.

Additional AAA Premier Membership Benefits

In addition to the AAA Emergency Road Service benefits described above, AAA Premier Members are further entitled to:

• Auto Repair Hotline​: AAA Premier Members have access to a hotline for advice on auto repairs, second opinions on repair estimates and referrals to repair facilities. Premier Members can access the hotline by calling the Member Services number on the back of their card and picking Member Services. Hours of operation may vary; please call for more information.
• Complimentary Car Rental for Towed Vehicles​: AAA Premier provides one free day of car rental (up to a full-size vehicle) in conjunction with a non-collision tow. Fuel and service charges are at Member’s expense. Some restrictions may apply. This benefit is available only if a AAA Premier Member calls the dedicated phone number listed on the AAA Premier Membership card; this benefit cannot be accessed through the rental car company directly. Car rentals are subject to certain terms and conditions of the rental car company. The car must be rented within 48 hours of the tow service, and the rented car must be returned to the location of initial rental. The AAA Premier Member will be responsible for paying any additional charges to the rental car company, including additional rental days not covered by this benefit or any one-way rental. Taxes, fees and optional service charges, such as refueling, are not subject to discount and are the responsibility of the AAA Premier Member. Coupons or other promotions may not apply. Rentals are available at participating locations in the United States or Canada.

The Membership must be active and the Member must be current on dues and any other fees owed. The Member must be present at the time of service, with a valid Membership card and matching photo identification to be eligible for AAA Emergency Road Services. Members without proof of Membership or identification will not be eligible for AAA Road Service and will be financially responsible for service.

Certain restrictions apply to all services, including the availability of services in all locations. Unless as otherwise specified, the terms and conditions apply to each Membership year.

Safety of Members and AAA road service technicians is important to AAA. The technician may assess the situation for safety, which may impact how or if certain services will be available for each situation. AAA reserves the right to provide only such services as is deemed safe and within the normal course of servicing, including but not limited to using ordinary servicing equipment and servicing vehicles that have not been loaded, altered from their original manufacture or custom manufactured in a manner that interferes with the safe and legal rendering of service.

AAA Emergency Road Service is provided to help our Members get back on the road. All vehicles to be serviced must be registered for highway or street use to be eligible for services. Vehicles that are untagged, uninsured or not otherwise legally drivable (other than vehicles involved in an accident that renders it un-drivable) will not be eligible for services. AAA Emergency Road Service will not be rendered if services are used as a substitute for regular maintenance. Tows will not be provided for moving a vehicle from one residence to another (unless directly related to the repair of such vehicle) or from a road to a driveway. Fuel delivery is available only for vehicles that are out of fuel. Vehicles will not be towed to/from a salvage yard. Service will not be provided for the purpose of transporting vehicles in connection with a purchase, sale, auction, car show exhibition, donation, or relocation or similar situation. Dismantled, stored or abandoned vehicles or those purchased in an inoperable condition will not be eligible for service. Tows are provided from impound lots provided that the Member’s car is unable to be driven and otherwise fit for towing, and the Member pays all impound fees.

In the event the vehicle is being serviced due to an accident, the Member is required to follow all local, state and federal laws for reporting of the accident prior to service being rendered.

Additionally, services are not provided to: unattended vehicles, unless the Member is unable to remain with the vehicle due to injury or safety reasons; vehicles that are on inaccessible or barricaded areas (including but not limited to yards, beaches, fields); or vehicles unlawfully driven beyond chain controls areas or other areas that is dangerous or inadvisable for travel. Also, there may be “force majeure” events that may directly or indirectly delay, hinder or prevent AAA or an ICS from performing services for our Members. We shall not be liable or responsible to you, nor be deemed to have defaulted under or breached these Membership Terms and Conditions, for any failure or delay in fulfilling or performing any term herein, when and to the extent such failure or delay is caused by or results from the following force majeure events (“Force Majeure Events”): (a) acts of God; (b) flood, fire, earthquake or explosion; (c) war, invasion, hostilities (whether war is declared or not), terrorist threats or acts, riot or other civil unrest; (d) government order or law; (e) actions, embargoes or blockades in effect on or after the date of these Membership Terms and Conditions; (f) action by any governmental authority; (g) national or regional emergency; (h) strikes, labor stoppages or slowdowns or other industrial disturbances; (i) shortage of adequate power or transportation facilities; (j) pandemics, and (k) other similar events beyond our reasonable control. AAA is not obligated to perform services in the event of such force majeure event.

Members are responsible for any fees for services that are not covered by the stated coverages under the Membership; ICSs may provide such services on a fee-for-service basis. For certain covered services, Members may need to pay the technician (at the time of service) and submit for reimbursement. Forms of accepted payment may differ depending on the ICS, which may include limits on the amounts for a personal check.

AAA reserves the right to seek reimbursement, including any reasonable administrative or processing fees, from Members for any services provided for which the Member was not eligible or entitled, or for which Member was obligated to pay at time of service, including non-sufficient funds (NSF) checks.

While AAA and the ICSs strive to provide prompt and efficient service at all times, note that:

• Delays are sometimes unavoidable due to weather, traffic or road conditions, availability, or unusual service demands. Additionally, longer-distance tows, after hours service requests, and service requests in certain areas may be subject to longer delays.
• AAA cannot and does not guarantee any response times, and will not be liable for any occurrence that arises during any such delay.
  Although AAA holds its ICSs to high standards of service, AAA cannot control the availability of the ICS and/or the manner in which independent ICSs render services. AAA will not be liable for their misconduct, negligence or other acts or omissions. AAA will attempt to resolve any Members' vehicle repair and damage complaints resulting from Emergency Road Service provided by our ICSs. Member complaints should be reported as soon as possible and before additional repairs are made. Failure to do so may impair or otherwise limit our ability to assist.
• It is up to the Member to assure that they remain in a safe location while waiting for a service vehicle. AAA cannot and does not monitor road, traffic or other conditions that may impact your safety, and which may vary and change. If you advise us of any safety concerns at the time of your call for service, we will offer you the option of having the California Highway Patrol or other appropriate law enforcement entity be dispatched to your location. AAA will not be liable for any occurrence as a result of any road, traffic or other conditions that contribute to or otherwise impact service times, or any occurrence resulting from the negligence of any third parties. If at any time you feel that conditions are such that you feel your safety is impaired while waiting for service, please immediately call 911.

When calling AAA Emergency Road Service, a Member will be provided the option to opt-in to allow AAA to identify the Member’s location for purposes of dispatching services. To understand more about our privacy practices, please review our privacy policy.

AAA Classic Members are eligible for Emergency Road Service from one truck. If the AAA road service technician determines additional equipment is required before or while providing service, the Member will be responsible for the expense of the second truck or additional equipment.

AAA Plus, AAA Plus RV and AAA Premier Members are eligible for Emergency Road Service for up to two trucks without additional cost to the Member.

Vehicle Eligibility for All Emergency Road Services

Commercial vehicles are not eligible for AAA Emergency Road Service including, but not limited to the following:

• Vehicles registered to a partnership, corporation, company, commercial entity, or used for commercial purposes
• Taxicabs, limousines, shuttles and vehicles used for fee-based car or ride sharing (excluding passenger vehicles being rented by a Member for the Member’s personal use) and other vehicles for hire
• Box trucks, box vans, cube vans, van or truck cutaway
• Commercially configured vehicles, flatbeds, landscaping vehicles, school buses (including RV conversions)

AAA Classic and Plus Members:​

Certain four-wheeled motor-driven vehicles of the passenger type may be eligible for services, subject to standard servicing restrictions. Dual-wheel campers and motorhomes may be eligible only for lockout/locksmith and fuel delivery services.

AAA Classic Members:

Tent and camping trailers; fifth-wheeled trailers; boat and jet ski trailers; horse and livestock trailers; car, ATV and snowmobile trailers; utility and non-recreational trailers may be eligible for tow services, provided that the Member will be required to pay the ICS directly at the time of service for the towing of the trailer. Trailers must be unloaded prior to service.

AAA Plus Members:

In addition to the vehicles specified for AAA Classic Members, Plus Members are also eligible for the following:

• Dual-wheel unloaded pickup trucks are eligible for all AAA Emergency Road Service services except tire change services, subject to weight and vehicle length restrictions.

AAA Plus Motorcycle:

In addition to the vehicles specified for AAA Classic and Plus Members, Plus Motorcycle members are also eligible for the following:

• Motorcycles and scooters are eligible for fuel delivery, locksmith/lockout, winching/extrication services and towing up to 100 miles per incident.

AAA Plus RV and AAA Plus RV & Motorcycle Members:

In addition to the vehicles specified for AAA Classic and Plus Members, Plus RV, and Plus RV & Motorcycle Members are also eligible for the following:

• Recreational Vehicles (includes dual-wheel campers and motor homes, fifth-wheel trailers, camping, travel and tent trailers) are eligible for lockout/locksmith, fuel delivery, battery, tire change and winching/extrication services, and towing up to 100 miles per incident.
• Horse trailers, boat and jet ski trailers, and ATV and snowmobile trailers are eligible for tire change, winching/extrication services, locksmith/lockout services, and towing up to 100 miles per incident.
• Livestock trailers are eligible for air in tire and locksmith/lockout services.
• Utility and car trailers are eligible for tire service only.
• Motorcycles and scooters are eligible for fuel delivery, locksmith/lockout, winching/extrication services and towing up to 100 miles per incident.

To the extent that motorcycle services are not available, AAA will reimburse for covered services at the then-current commercial rate for the region. To the extent that a Member with RV coverage (a) requests RV services from outside of such Member's home club's territory state(s) and (b) such RV services are not available in that area through AAA, the Member may submit for reimbursement to the extent that such services are covered by the Member's Membership. Any reimbursements will be calculated at then-current commercial rate for the territory of service.

Premier Membership (Residents of California, Nevada, Utah, Montana, Wyoming, and Alaska):

In addition to the vehicles specified for AAA Classic and Plus Members, Premier Members whose primary residence is in California, Nevada,
Utah, Montana, Wyoming, or Alaska are also eligible for the following:

• Recreational Vehicles (as defined above), motorcycles and scooters are eligible for winching/extrication services, and towing (1 tow up to 200 miles, and the remaining 3 tows up to 100 miles per incident).
• Utility trailers (e.g., horse and livestock trailers), boat and jet ski trailers, and ATV and snowmobile trailers are eligible for tire change, winching/extrication services and towing.
• Loaded trailers are eligible for air in tire and locksmith/lockout services.
• Utility and car trailers may only be eligible for tire service only, subject to certain restrictions (e.g., tire changes are not available for the inside tire of a dual-tire setup).

Premier Membership (Residents of Arizona):

In addition to the vehicles specified for AAA Classic and Plus Members, Premier Members whose primary residence is in Arizona are also eligible for the following:

• Winching/extrication services, and towing (1 tow up to 200 miles, and the remaining 3 tows up to 100 miles per incident).

Assistance for Members with Disabilities

AAA tow and flatbed vehicle are equipped with footholds and grab handles for the convenience of Members with disabilities. Each tow and flatbed vehicle is equipped with a portable step stool. Note that AAA tow and flatbed vehicles may not be accessible for Members using wheelchairs or scooters. In compliance with all local, state, and federal laws, AAA endeavors to provide Members with alternative accessible transportation services where necessary and appropriate.

Membership Eligibility

The Primary Member is an individual with whom AAA has established the membership and whose name appears first on the membership record (“Primary Member”). Primary Members must be at least 18 years old. One (1) Primary Member is allowed per Membership account. An individual will be a Member on only one Membership at a time. One (1) spouse or resident adult is allowed per Membership account. A Primary Member may add up to one (1) Associate Member and seven (7) Dependent Associate Members. An “Associate Member” is another adult person (which can be a spouse) sharing the same residence as one on file for the Primary Member. A “Dependent Associate Member” is an unmarried child or legal ward of the Primary Member, having the same residence as the one on file for the Primary Member (provided that this residency requirement does not apply to a Dependent Associate Member who is away at school). All applications for, and renewals of, Membership are subject to acceptance by AAA.

AAA Emergency Road Service Benefit Effective Period

AAA Emergency Road Service benefits become effective 48 hours after purchasing a new Primary Membership. For new Memberships only, the 48-hour waiting period may be waived if the Member (either a Primary or Associate) elects to pay a non-refundable one-time fee. Upon payment, such Member is entitled to one-time services only at the Classic Membership level.

Members who upgrade their Membership can use their upgraded benefits 48 hours after upgrading.

Membership Renewal Policy

We will send you a renewal notice before your Membership expires, and your renewal dues are payable on the day your Membership expires. Upon expiration, Members are granted a “Temporary Waiver Period” up to 90 days, during which time you can pay your renewal fee and maintain your original Membership inception year and renewal date. During this Temporary Waiver Period, we will continue to make Membership services available to you. However, if you request Emergency Road Service during this Temporary Waiver Period, then you are obligated to pay your outstanding renewal fee at the time of such service. If you pay the renewal fee within the Temporary Waiver Period, your Membership will continue uninterrupted and no additional fees will apply.

You must notify us if you’d like to cancel your Membership. If you elect to cancel your Membership, or let it lapse at the end of the Temporary Waiver Period, your Membership will be deemed terminated as of such date. If you later decide to rejoin AAA, you will need to purchase a new Membership, and that Membership will have a new inception year and renewal date as of the new purchase date. If you renew your Membership after the Temporary Waiver Period, AAA Emergency Road Service benefits become effective 48 hours after the purchase of your new Membership, and all other terms and conditions applicable to a new Membership will apply.

Consent to Communications

By accepting these Membership Terms and Conditions, you are providing us your express written permission and consent authorizing us or our agents to contact you at any phone number (including mobile, cellular, wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS messages or email. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Membership Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us.

AAA reserves the right to charge back, or cancel Memberships at any time if the Primary or Associate Member is found to be in violation of these Membership Terms and Conditions.

• Charge backs may include any reasonable administrative, processing or service fees arising from such an attempted violation or for services rendered. Members who have enrolled in auto-renewal may be charged directly using the credit card on file.

In addition, AAA may terminate Members for the following reasons:

• Unpaid dues
• Inappropriate or illegal conduct including but not limited to: committing or threatening violence or being abusive to AAA employees, road service technicians, contractors or other AAA representatives; destroying/vandalizing property of AAA or its representatives; or misrepresenting their identity or providing false and/or misleading information at the time of enrollment or request for service;
• Using the Membership for any reason deemed harmful to the welfare, standing or best interest of AAA or the Membership as a whole, including but not limited to using the Membership benefits for commercial purposes, excessive or inappropriate use, including but not limited to: commercial purposes which include but not limited to: transportation of a vehicle in relation to a sale, non functional vehicles, reselling of AAA services; as a substitute for regular maintenance; or excessive or inappropriate AAA Emergency Road Service use, which includes the use of all four allotments of AAA Emergency Road Services within the first ninety (90) days of the activation or renewal of a Membership

Cancellation and Refund Policy

Members may cancel their Membership, without any penalty or obligation if no AAA Emergency Road Service is used, within seven (7) business days from the first date of Membership enrollment. After seven (7) business days from first date of Membership enrollment, Member may qualify for a prorated refund if no Emergency Road Service was utilized.

To the extent allowable by law, Members will not be entitled for a prorated refund if:

• A Member uses any AAA Emergency Road Service during the Membership year; or
• The Member is terminated for cause

Refunds may take up to 30 days to process.

Changes in Membership and Refund Policy
A Primary Member may terminate the membership of any Dependent Associate Member or Associate Member associated with the Membership at any time. The Primary Member may qualify for a prorated refund of the fees paid for such Associate membership(s) for the Membership year during which the Associate membership(s) is/are terminated.

In addition, a Member may downgrade his or her Membership at any time (e.g., from AAA Plus to AAA Classic). If a Member downgrades the Membership, the Member may qualify for a prorated refund for the difference in dues paid for the original Membership and the dues that would have been paid for the downgraded Membership for the Membership year during which the Membership is downgraded.
Refunds may take up to 30 days to process.

Insurance Policy

Residents must have at least one (1) Member named on the policy in order to purchase AAA Auto and/or Home Insurance and be eligible for a Member discount. In California, if your Membership is cancelled, you (1) may not be able to renew your AAA insurance policy or (2) you will not be eligible for a Member discount on your premium.

• Services paid for under another insurance policy or other program benefit.
• Charges related to impound or stolen vehicle recovery towing.
• Charges for vehicle storage.
• Ridesharing or transportation network services to service destinations when emergency road service vehicles are available to transport the Member.

Download a reimbursement request form for locksmith, windshield, parts and labor, towing and more. You can also call 800-272-2877 to speak with a Member Service Center Representative or write to:

AAA Automotive Services
P.O. Box 24502
Oakland, CA 94623-2450

Windshield Repair/Replacement Reimbursement

AAA Premier Members are eligible for reimbursement of up to $50 one (1) time per Membership year for out-of-pocket expenses to repair or replace a damaged windshield. To receive this reimbursement, you must submit the original receipt or proof of payment along with a completed reimbursement form. Please see above for reimbursement instructions.

Check Guarantee Policy

AAA will guarantee Members’ personal checks for up to $250 only when a valid Membership card and matching photo identification is presented at the time of service. The Check Guarantee Policy applies to:

• First-party personal checks for the exact amount of the bill. This means second-party checks, business checks and checks made out to cash will not be accepted
• Checks used for emergency repairs, services or supplies.

AAA will not guarantee checks for bodywork and/or routine maintenance.

Credit/Debit Card Payments

Valid credit cards and debit cards are generally accepted as payment for services.

Auto-Renewal of Memberships

If a Member authorizes AAA to automatically renew the Membership, the Member is agreeing that: (1) such Member is the authorized user of the payment method selected; (2) such Member authorizes AAA to initiate charges to the Member’s credit card or debits to the Member’s bank account/debit card automatically (an automatic payment) for any payment method Member has on-file with AAA (a) each year to pay the Member’s renewal dues up to 7 days prior to the expiration of the Membership, (b) for a $10 fee imposed by AAA for any automatic payment that is rejected by the Member’s bank for insufficient funds, the Member’s account being closed or otherwise (the Member’s bank may also impose a fee for a rejected payment); (3) the Member’s authorization will remain in effect until the Member revokes it as provided below; (4) the amount of the renewal dues may change from time to time in AAA’s discretion, and will be included on a billing statement or other notice sent to the Member before the date on which the dues will be charged or debited; (5) AAA can cancel the Member’s authorization or change these terms upon 30 days’ notice; (6) AAA is authorized to obtain updated or replacement expiration dates and card numbers for the Member’s credit or debit card as provided by the Member’s credit or debit card issuer; and (7) AAA may process the charge for your renewal dues on or up to 7 days prior to the date the Member’s annual Membership period is set to renew.

Members may cancel Automatic Renewal of Membership by using the “Manage Automatic Renewal” feature available through their online Membership account dashboard, by emailing us at [email protected], by calling 800-922-8228, or by visiting a AAA branch. Please allow up to 10 days to process your Automatic Renewal cancellation. To avoid additional charges, you must cancel at least 18 days prior to the end of your current Membership period. (For details on cancelling your Membership itself, please see above.)

Members who enroll in a Membership plan that automatically renews will receive a one-time discount of ten dollars ($10.00), which will apply solely to such Member’s membership fees (“Automatic Renewal Discount”). The Automatic Renewal Discount is limited to one discount per Membership account, and, for the avoidance of doubt, is not provided on a yearly basis, but instead is a one-time discount available at the time of enrollment in a Membership that automatically renews. Members who have already received the one-time Automatic Renewal Discount will not be eligible for an additional Automatic Renewal Discount if signing up for a Membership within 10 months of cancellation of the first Membership.

Who is eligible for coverage?

All Primary, Honorary or Complimentary AAA Members with “AAA Premier” or with “AAA Plus” and Associate Members whose Memberships were issued therewith (“Eligible Member” as further defined below), are eligible for the Travel insurance benefits and assistance coverage (the "Travel Emergency Service") as summarized (the "Summary of Coverage").

Where does coverage apply?

With respect to Emergency Medical Transportation, the Travel Emergency Service territory will be anywhere outside of a 100-mile radius from the Eligible Member’s primary residence, worldwide. With respect to Trip Interruption/Delay and Baggage/Personal Effects, the Travel Emergency Service territory will be outside of a 100-mile radius from the Eligible Member’s primary residence but within the continental United States, Mexico, and Canada.

When does this coverage start and end?
Coverage for an Eligible Member will take effect on the date such person becomes a member of an eligible class of persons as described above in “Who is eligible for coverage?”

*AGA Service Company is the administrator of the Travel Emergency Service Policy.

**Insurance coverage is underwritten by BCS Insurance Company under a Form No. Policy 53.205 (0115). Allianz Global Assistance is the licensed producer and administrator for this plan.

Assistance Service A — Emergency Medical Transportation

Coverage applies to Eligible Member and any Covered Traveler during each Eligible Trip within the Policy Territory, up to the limit specified in the Schedule of Benefits.

The insurance provided for this benefit shall be in excess of all other valid and collectible insurance or indemnity.

What is Covered

We will provide benefits, up to the limit specified in the Schedule of Benefits (total for all covered services described below), for the cost of:

1. Moving Eligible Member or a Covered Traveler to a Hospital or medical clinic (Emergency Medical Transportation):

If Eligible Member or a Covered Traveler is seriously ill or Injured during the Eligible Trip and Our medical team determines that the local medical facilities are unable to provide appropriate medical treatment:

• Our medical team will consult with the local doctor;
• We will identify the closest appropriate facility, make arrangements and pay to transport the person(s) to that facility; and
• We will arrange and pay for a Medical Escort if We determine one is necessary.

2. Getting Eligible Member or a Covered Traveler home after care (medical repatriation):

If Eligible Member or a Covered Traveler is seriously ill or injured during the Eligible Trip, then once Our medical team determines that the person is medically stable to return home via commercial transportation carrier, such as a scheduled passenger airline, We will:

• Arrange and pay (less any refunds for unused tickets) for the person to be transported to one of the following: their Primary Residence; a location of their choice in the United States; or a medical facility near their Primary Residence or city of their choice in the United States. We will take their request into consideration as long as the medical facility will accept them as a patient and is approved as medically appropriate for their continued care by Our medical director.
  
• Arrange and pay for a Medical Escort if Our medical team determines a Medical Escort is necessary.

3. Bringing a friend or Family Member to stay with Eligible Member or a Covered Traveler (transport to bedside):If Eligible Member or a Covered Traveler is told they will be hospitalized for more than seven days during the Eligible Trip, We will arrange and pay for round-trip transportation in economy class on a Common Carrier for a friend or Family Member to stay with the person.

4. Getting Eligible Member or a Covered Traveler’s children home (return of dependents):

• Their Primary Residence; or
• A location of their choice in the United States.
  For medical repatriation and return of dependents, Transportation will be on a Common Carrier in the same class of service they were originally booked.

Conditions of Coverage

Eligible Member, the Covered Traveler, or their representative must contact Us and We must make all transportation arrangements in advance. We will not pay for any of the services listed in this section if We did not authorize and arrange it.

Other Insurance
If at the time of the occurrence of any loss or damage covered by this insurance there is valid and collectible insurance, indemnity or warranty in place, We shall be liable only for the excess of the amount of such loss or damage over the amount of such other insurance, indemnity or warranty and for the amount of any applicable deductible, subject to the limits of liability as stated in the Schedule of Benefits. In no event shall this take precedence over any other “non-contribution” clauses found in other insurance, policies, indemnities or warranty language. This provision applies only to the Emergency Medical Transportation Coverage.

Coverage A — Trip Interruption/Delay for AAA Plus and Premier

Coverage applies to the Eligible Member and any Covered Traveler during each Eligible Trip within the Policy Territory, up to the limit specified in the Schedule of Benefits, when the Eligible Member is either a driver or passenger in the Motor Vehicle or Rental Car used for the Eligible Trip.

What is Covered

The Company will provide benefits for Trip Interruption due to the following events:

1. Vehicle disablement due to Mechanical Breakdown (excluding tire trouble), substantiated by garage or repair facility or rental car company report;
2. Accident involving Motor Vehicle or Rental Car, substantiated by a police report;
3. Theft of Motor Vehicle or Rental Car, substantiated by a police report;
4. Illness, Injury or death of the Eligible Member, Covered Traveler, or Eligible Member’s Family Member or adult with whom the Eligible Member resides who is not traveling with the Eligible Member;
5. Member or adult with whom the Eligible Member resides who is not traveling with the Eligible Member;
6. Natural Disaster; or
7. Severe Weather.

1. The cost of additional Accommodations and meal expenses; AND (if applicable),
2. The cost of substitute transportation to continue the Eligible Trip.

Conditions of Coverage

1. Overnight interruption of the Eligible Trip is required.
2. If the Trip Interruption is due to Illness or Injury of the Eligible Member or Covered Traveler, a Physician must recommend that the person interrupt the Eligible Trip due to the severity of the person’s condition.
3. If the Trip Interruption is due to Illness or Injury of the Eligible Member’s Family Member or an adult with whom the Eligible Member resides who is not traveling with the Eligible Member, the Illness or Injury must be life threatening, require hospitalization, or he or she must require the Eligible Member’s care.

Limitations of Coverage

Only expenses incurred in the first ninety-six (96) hours from the initial interruption of the Eligible Trip are covered.

EXCLUSIONS

1. Alcohol or substance abuse or use, or conditions or physical complications related thereto;
2. War (whether declared or undeclared), acts of war, military duty, civil disorder or unrest;
3. Participation in professional or amateur sporting events (including training);
4. All extreme, high risk sports including but not limited to: bodily contact sports, skydiving, hang gliding, bungee jumping, parachuting, mountain climbing or any other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails;
5. Scuba diving (unless accompanied by a dive master and not deeper than 130 feet);
6. Operating or learning to operate any aircraft as pilot or crew;
7. Nuclear reaction, radiation or radioactive contamination;
8. Epidemic;
9. Pollution or threat of pollutant release;
10. Any unlawful acts committed by You or a Covered Traveler; or
11. Any expected or reasonably foreseeable events.

Coverage B — Baggage/Personal Effects

What is Covered

The benefit will provide payment for the value of the Baggage, which is equal to the lesser of:

1. The actual purchase price of a similar item;
2. The Actual Cash Value of the item at the time of loss which includes deduction for depreciation (for items without receipts, the program will pay up to 75% of the determined depreciated value); or
3. The cost to repair or replace the item.

Conditions of Coverage

For this coverage part, the Eligible Member or Covered Traveler must take reasonable steps to keep Baggage safe and intact; to recover it; and to notify the appropriate authorities within 24 hours of the covered loss.

Limitations of Coverage

Coverage is not provided for any loss that results directly or indirectly from:

1. Intentional loss of or damage to Baggage;
2. Defective materials or workmanship; or
3. Ordinary wear and tear.

Property or losses not covered includes:

1. Animals;
2. Cars and accessories, motorcycles and motors, aircraft, boats, and other vehicles;
3. Bicycles, skis, and snowboards;
4. Eye glasses, sunglasses, and contact lenses;
5. Hearing aids, artificial teeth, and limbs;
6. Wheelchairs and other mobility devices;
7. Consumables, medicines, perfumes, cosmetics, and perishables;
8. Tickets, passports, deeds, and other documents;
9. Money, credit cards, debit cards, securities, bullion, and stamps;
10. Rugs and carpets;
11. Property for business or trade; and
12. Baggage when it is shipped as freight, shipped prior to the date of the Eligible Trip, left in or on a car trailer, or left in an unlocked car.

General Provisions

This guide to benefits is neither a policy nor contract of insurance, but is your most complete source of information. Please be sure to keep it in a safe place.

All information in this document is subject to the terms and conditions of the Master Policy, a copy of which is in the possession of AAA. The terms and conditions of the Master Policy agree with the terms outlined in this guide to benefits. However, features and benefits are subject to change without notice.

How to File a Claim: Please gather the information below if you have a covered loss during your Covered Travel as it will be requested when you file a claim upon returning home. All claims must be reported to Allianz Global Assistance within 30 days from the date of loss or as soon after that date as is reasonably possible.

Once you report a claim, the service associate will set up a claim file for you and send you a claim form. You must send written proof of loss, including any required information necessary to support the claim, to Allianz Global Assistance within 90 days from the date of loss, or as soon after that date as reasonably possible, and in no event, except in the absence of legal capacity, later than one year from the time.

Claim Forms. We will furnish claim forms to Eligible Member within 15 days of receipt of a notice of claim. If these forms are not furnished within 15 days, Eligible Member will satisfy this requirement by sending Us written proof of loss. This proof should include information sufficient to identify the applicable Eligible Member, the Policy number, and a description of both the occurrence and the nature and extent of the loss.

Time of Payment of Claims. We will pay the claim after receipt of acceptable proof of loss. Claims will be paid in accordance with the payment of claims provision.

Definitions

“Accident” – means an unexpected, unintended, unforeseeable event causing Injury or death to You or a Covered Traveler; or causing damage to the Motor Vehicle or Rental Car that prevents the vehicle from being driven.

“Accommodations” – means temporary lodging in an establishment licensed to provide temporary lodging to paying guests.

“Actual Cash Value” – means purchase price less depreciation.

“Baggage” – means the personal property that an Eligible Member or a Covered Traveler takes on the Eligible Trip and the suitcases or other kinds of containers used to carry them.

“Common Carrier” – means a company that is licensed to carry passengers on land, water or in the air for a fee, not including car rental companies.

“Covered Traveler” – means a person who is an Immediate Family Member and is traveling with Eligible Member.

“Eligible Member” – means a person:

1. Who is a member of an Eligible Class of persons as described in the Eligibility Class section of the Schedule of Benefits;
2. For whom premium has been paid; and
3. While covered under the Policy.

An Eligible Member may be Primary or Secondary Member. Primary Eligible Member is a AAA member possessing the primary membership in a household. Secondary Eligible Member is any AAA Member possessing an Associate membership in a household.

“Eligible Trip” – means a Trip which:

1. Does not exceed, and was not planned to exceed, 45 consecutive days;
2. Was intended to include at least one overnight stay
3. For Trip Interruption, vehicle return, stolen baggage/personal effects, and baggage: is a driving trip taken by Motor Vehicle or Rental Car; and
4. For all other coverage (including emergency medical transportation, repatriation of remains): is a trip taken by Motor Vehicle, Rental Car, Common Carrier, or a combination of these.

“Family Member” – means the AAA Member’s spouse, civil union partner or domestic partner; children and stepchildren (including children who are or are in the process of becoming adopted); parents and stepparents; siblings; grandparents and grandchildren; in-laws (mother, father, son, daughter, brother, sister).

“Hospital” – means a provider that is a short-term, acute, general Hospital that:

1. Is a duly licensed institution;
2. In return for compensation from its patients, is primarily engaged in providing inpatient diagnostic and therapeutic services for the diagnosis, treatment, and care of injured and sick persons by or under supervision of physicians;
3. Has organized departments of medicine and major surgery;
4. Provides 24-hour nursing service by or under the supervision of registered graduate nurses; and
5. Is not other than incidentally: (a) a skilled nursing facility, nursing home, custodial care home, health resort, spa or sanatorium, place for rest, place for the aged, place for the provision of rehabilitation care; (b) a place for the treatment of mental illness; (c) a place for the treatment of alcoholism or drug abuse; (d) a place for the provision of hospice care; or (e) a place for the treatment of pulmonary tuberculosis.

“Illness” – means a sickness, infirmity or disease that causes a loss that begins during an Eligible Trip.

“Immediate Family Member” – means the AAA member’s spouse, civil union partner or domestic partner; children and stepchildren (including children who are or are in the process of becoming adopted) under the age of 21; parents, stepparents, siblings, grandparents, and grandchildren who reside with You.

“Injury” – means bodily injury caused by an Accident occurring during an Eligible Trip, and resulting directly and independently of all other causes in loss.

“Mechanical Breakdown” – means a mechanical issue that prevents the vehicle from being driven. Mechanical Breakdown does not include running out of gas, tire trouble or failure to perform routine maintenance

“Medical Escort” – means a professional person contracted by Our medical team to accompany a seriously ill or injured person while they are being transported. A Medical Escort is trained to provide medical care to the person being transported. A friend or Family Member cannot be a Medical Escort.

“Motor Vehicle” – means a self-propelled private passenger vehicle that is a type both designed and required to be licensed for use on public roads. The term Motor Vehicle does not include:

1. Motorcycles (except as noted below);
2. Trucks (except for pickup trucks and vans);
3. Trailers;
4. Motorbikes and all-terrain vehicles;
5. Off-road vehicles;
6. Vehicles that don’t have to be licensed;
7. Vehicles that are used for commercial or livery purposes, including limousines; or
8. Other conveyances.

If Eligible Member’s AAA Membership explicitly includes motorcycles, then motorcycles are included in the term Motor Vehicle in that situation.

“Natural Disaster” – means an event, including but not limited to wind storm, rain, snow, sleet, hail, lightning, dust or sand storm, earthquake, tornado, flood, volcanic eruption, wildfire or other similar event that:

1. Is due to natural causes; and
2. Results in widespread severe damage such that the area of damage is officially declared a disaster area and the area is deemed to be uninhabitable or dangerous.

“Personal Effects” – means items that are regularly worn or carried and can include keys, identification card, wallet, watch, clothing and toiletries.

“Physician” – means a licensed practitioner of the healing arts acting within the scope of their license. The attending physician may not be: (a) an Eligible Member; (b) an Eligible Member’s spouse, civil union partner or domestic partner; (c) a person booked to accompany an Eligible Member on an Eligible Trip; or (d) a person who is related to an Eligible Member, an Eligible Member’s spouse, civil union partner or domestic partner, child, parent, or sibling.

“Policy Territory” – means

1. For Trip Interruption, Vehicle Return, Stolen Baggage, and Baggage: Outside of a 100 mile radius from Eligible Member’s Primary Residence but within the US, Mexico and Canada.
2. For all other coverages (including Emergency Medical Transportation, Repatriation of Remains): Outside of a 100 mile radius from Eligible Member’s Primary Residence, worldwide.

“Policyholder” – means the organization to whom the Policy was issued.

“Primary Residence” – means Eligible Member’s permanent and main home for legal and tax purposes. It does not include any secondary or vacation home or residence.

“Rental Car” – means Motor Vehicle that is rented by Eligible Member and evidenced by a car rental agreement. The term Rental Car does not include:

1. Motorcycles, Motorbikes and all-terrain vehicles;
2. Trucks;
3. Campers, trailers and recreational vehicles;
4. Off-road vehicles;
5. Vehicles that don’t have to be licensed;
6. Vehicles that are used for commercial or livery purposes, including limousines; or
7. Other conveyances.

“Severe Weather” – means

1. The local government or the National Weather Service issues an advisory against travel as a result of rain, snow or wind; or
2. A "state of emergency" due to weather is declared by the federal, state or local government.

“Trip” – means a planned round-trip travel to and from a place at least 100 miles from Your Primary Residence. A trip does not include travel to receive health care or medical treatment of any kind, vehicle repairs, or commuting to and from work.

“We”, “Us”, “Our” – means, or refers to, BCS Insurance Company, including its authorized agents.

“You”, “Your”, “Yours” – means, or refers to, the Eligible Member.

The Travel Accident Insurance Program covers AAA Members & Eligible Family Members with up to $300,000 when travel arrangements are made through your local AAA Travel Agency.

Coverage applies to You and any Covered Traveler during each Eligible Trip within the Policy Territory, up to the limit specified in the Schedule of Benefits (download here).

The Travel Accident Insurance Program covers AAA Premier Members that book and purchase travel on a licensed Common Carrier and rental car through the AAA Travel Agency. Coverage includes accidental loss of life, limbs, sight, speech or hearing. “Common Carrier” means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire.

Coverage Applies

1. While you are riding solely as a passenger in, entering or exiting any conveyance operated by a Common Carrier licensed for the transportation of passengers for hire.
2. While you are riding solely as a passenger in, entering or exiting any conveyance operated by a Common Carrier licensed for the transportation of passengers for hire, while traveling directly to or from a terminal, station or airport; a) immediately preceding scheduled departure of a Common Carrier; or b) immediately following scheduled arrival of a Common Carrier.
3. Riding or driving in, entering or exiting from a private passenger automobile of the strictly pleasure car type; while going directly to the departure point or while coming from the arrival point of a Common Carrier.
4. While riding or driving in, entering or exiting from a rental car whose lease has been arranged through your participating AAA Travel Agency in conjunction with any airline or other common carrier transportation.

Common Carrier and Auto Benefits

Seat Belt Benefit

1. operating or riding in a Private Passenger Automobile and
2. utilizing a Seat Belt

A Benefit Amount will not be paid if the Insured Person is driving or riding as a passenger in any race, or contest of any type. The seatbelt usage must be verified by a licensed Physician, a coroner, a police officer or other person of competent authority. The seat belt must have been properly secured, and utilized in accordance with the recommendations of its manufacturer. Private passenger automobile means a four-wheeled motor vehicle with a maximum seat capacity of nine (9), manufactured and designed to travel on public roads.

1. The Insured Person dies; or
2. The Insured Person is no longer hospitalized; or
3. The maximum number of days (7) of payment has expired.

Definitions

"Loss of Use of Arm" means the Loss of Use of the arm at or above the elbow joint. Loss of Use of Foot means the Loss of Use of the foot at or above the ankle joint.

"Loss of Use of Hand" means the Loss of Use at or above the knuckle joints of at least four (4) fingers on the same hand or at least three (3) fingers and the thumb on the same hand.

"Loss of Use of Leg" means the Loss of Use of the leg at or above the knee joint. Loss must occur within 365 days from the date of accident.

"Loss of Sight of an Eye" means the permanent loss of vision in one eye. Remaining vision must be no better than 20/200 using a corrective aid or device as determined by a physician.

"Loss of Speech" means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a physician.

"Loss of Hearing" means the permanent and irrecoverable Loss of Hearing in both ears, as determined by a physician.

Exclusions

This insurance does not cover loss resulting from:

1. an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions;
2. suicide, attempted suicide or intentionally self inflicted injuries;
3. declared or undeclared war, but war does not include acts of terrorism.
4. This insurance does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion also does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency;
5. This insurance does not apply to an Accident occurring while an Insured Person is in, entering, or existing any aircraft owned, leased or operated by the Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder. This exclusion does not apply to aircraft chartered with pilot or crew on a one time charter basis.

Beneficiary

The Loss of Life Benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured person’s spouse or domestic partner; b) the Insured person’s children; c) the Insured person’s parents; d) the Insured person’s brothers and sisters; e) the Insured’s estate. All other indemnities will be paid to the Insured.

Notice of Claim

Written notice of claim should be mailed to your local AAA office.

The Cost

The premium for this Travel Accident Insurance is paid for by AAA for AAA Premier Members.

Change of Beneficiary

The Loss of Life Benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the order stated in the Beneficiary Section. If you wish to change beneficiaries, please contact your AAA Travel Agency.

NOTE: The information contained in these Membership Terms and Conditions is a description of the coverage, benefits and exclusions contained in the Master Policy 6477-01-32. The Policy Number and Master Policy are on file with the Policyholder. All information is subject to the terms and conditions of the Master Policy. Keep these Membership Terms and Conditions with your important papers for your records. It will serves as an important reminder of the valuable protection you have under this plan.

This Travel Accident Insurance Program underwritten by:

Travel Assistance Concierge

• Restaurant and spa recommendations and services
• Event tickets
• Pre-trip assistance and tour information
• Flower/gift arrangements
• Business services
• Golf–tee time information/reservations (subject to availability)

The Premier Membership includes access to concierge services, which are service benefits, not financial benefits. Any costs associated with services are paid by the member. Services are available only during covered travel.

24-Hour Global Travel Emergency Assistance

As a AAA Premier Member, you can rest easy every time you are traveling domestically or on an international vacation. If you have an emergency while 100 miles or more from your primary residence – within the United States or internationally – you may call for Emergency Travel and Medical Assistance 24 hours a day, 365 days a year. Get help with:

• Medical referrals
• Emergency medical transportation arrangements
• Emergency visitation arrangements
• Emergency message center
• Lost tickets and baggage
• Emergency airline/hotel reservations
• Legal referrals
• Money transfers

The Premier Membership includes access to emergency assistance services, which are service benefits, not financial benefits. Any costs associated with services are paid by the Member. Services are available during covered travel.