AAA Travel Insurance | Comprehensive Coverage for Your Trips (2024)

FAQs

What does comprehensive travel insurance cover? ›

Comprehensive travel insurance is the highest level of cover you can buy. It typically includes cancellation cover, 24/7 medical cover, lost or damaged luggage costs, personal liability, family emergencies, additional cover for travel delays, and alternative transport expenses.

Costly Unplanned Expenses: Travel with peace of mind knowing you have coverage for accidents, illness, medical emergencies, delayed or canceled flights, lost luggage and more. Covered Delay: Receive reimbursem*nt for eligible meals, accommodation and transportation expenses during a covered delay.

As a general guideline, it's wise to buy at least $100,000 in travel medical expense coverage. The most generous travel insurance plans provide $500,000 per person for emergency medical expenses. Other good plans have ample medical coverage of $250,000 or $100,000 per person.

The biggest difference between them is how benefits for medical treatment are paid — with comprehensive coverage or with scheduled benefits — if you become sick or hurt while traveling. This is important because it affects the price you'll pay for your plan and the level of coverage you receive.

What is comprehensive car insurance? In a nutshell, comprehensive car insurance cover – sometimes known as fully comprehensive cover, pays out if you damage your car, someone else's car or injure someone in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal.

International Travelers

The TripProtect Deluxe plan is a good fit for international travel because it has the highest medical expense limits ($75,000) of AAA's offerings. It's also worth considering if you want the highest coverage limits across the board.

Medical Tourism, Medical Exclusions

Don't look to travel insurance for help with the hospital bills or aftercare. Medical tourism is a common exclusion. Elective procedures, mental health care, routine physicals and exams and physical exams are also usually not covered by travel medical insurance.

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

How much in advance should I get travel insurance? ›

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.

Most policies include cover for: lost or stolen bags (with baggage cover an extra in some policies) emergency medical expenses, such as the cost of treatment and getting you home. the costs of cancelling, delaying or cutting your trip short (with cancellation cover sometimes an additional extra)

A comprehensive travel insurance policy offers coverage for eligible medical care for new illnesses or injuries that occur during one's travels. This can include hospitalization, surgery, urgent care, medication, emergency medical evacuation, and more for new and unexpected medical emergencies abroad.

Comprehensive cover: This is the highest level of car insurance. With fully comprehensive car insurance the driver, and any insured drivers on the same policy, will be covered for any damage to their vehicle even if they were at fault.

There are two main types of travel insurance: trip protection plans and travel medical plans. Trip protection protects U.S. residents while traveling within the United States and abroad and is important if you don't want to lose the money you paid for your trip if you must cancel, interrupt, or delay your trip.

Simply put, limited plans tend to be cheaper but offer far less coverage and financial protection. On the other hand, comprehensive plans cost slightly more, but provide more extensive coverage, particularly in situations in which medical attention is needed.

If you have fully comprehensive car insurance at home, and you want the same level of cover for driving abroad, ask your insurance provider if they can extend your policy to include comprehensive European car insurance cover. You might need to pay extra, but it could be worth doing for greater peace of mind.

Travel insurance provides financial protection if you face certain problems when you're travelling or on holiday. It covers a range of possibilities, from lost luggage to the cost of medical care if you become ill or have an accident.