AAA Member Loyalty Travel Accident Insurance: A Comprehensive Guide

Traveling can be an amazing experience, full of fun, excitement, and new adventures. But accidents and emergencies can happen anywhere, even on vacation. That’s why having travel accident insurance is so valuable for AAA members.

AAA Member Loyalty Travel Accident Insurance provides protection in case you suffer an accidental injury or even death while traveling. This article will explain everything you need to know about this valuable coverage.

Overview of AAA Member Loyalty Travel Accident Insurance

This AAA insurance policy provides the following core benefits:

• Accidental Death – Pays up to $300,000 if you die in a covered travel accident.

• Dismemberment – Pays up to $300,000 for loss of limbs or eyesight from an accident.

• Loss of Speech/Hearing – Provides benefits if you suffer loss of speech or hearing due to an accident.

It covers accidents that occur when traveling via common carrier, such as a plane, train, or bus. It also covers accidents during the process of boarding or disembarking these transportation methods.

This policy is automatically included with AAA Premier membership at no added cost.

Who is Eligible for Coverage?

To be eligible for AAA Member Loyalty Travel Accident Insurance, you must:

• Have a valid AAA Premier membership
• Purchase travel through the AAA Travel Agency
• Be under 70 years old

The insurance covers the primary AAA member as well as their spouse/domestic partner and any unmarried dependent children under 26 years old.

One key advantage is that there are no medical exams or health questions required to qualify. Coverage is guaranteed for all eligible Premier members.

When Does AAA Travel Accident Coverage Apply?

This AAA insurance policy covers accidents that occur:

• While riding as a ticketed passenger on any licensed common carrier, such as a plane, train, bus, taxi, or rideshare.

• During the process of boarding or disembarking these transportation methods.

• While riding to/from the terminal or station immediately before or after your trip.

• While riding in a rental car or personal vehicle to/from an airport, station or terminal.

So you have protection for accidents throughout your travels when booked through AAA.

AAA Travel Accident Insurance Benefits

Here are details on the benefits provided by AAA Member Loyalty Travel Accident Insurance:

Accidental Death

• Pays $300,000 for accidental death while traveling

Dismemberment

• $300,000 for loss of 2+ limbs, eyesight, speech, and hearing
• $150,000 for loss of 1 limb, eye, speech, or hearing
• $75,000 for loss of 1 hand, 1 foot, or thumb/index finger of same hand

Loss of Life Benefit for Dependent Child(ren)

• $25,000 per child if caused by a covered accident

Benefits are paid directly to you or your selected beneficiaries. The coverage has a maximum limit of $20 million per any one accident.

Additional AAA Member Benefits

AAA Member Loyalty Travel Accident Insurance also includes these extra benefits:

• Spouse Membership – If the primary member passes away in a covered accident, the spouse receives a complimentary AAA membership for life.

• Bereavement Counseling – Up to 5 sessions of grief counseling are provided if you suffer a covered loss.

• Seat Belt Benefit – An additional 10% is paid, up to $50,000, if you die while properly wearing a seat belt in a private vehicle accident.

• Airbag Benefit – An extra 5%, up to $5,000, is paid if you die while wearing a seat belt and the airbag deploys in a private vehicle accident.

• Job Assistance – Up to $5,000 is provided to your spouse for job skills training and job placement assistance if you die in an accident.

AAA Members receive comprehensive support and protection while traveling with this coverage.

What Accidents and Losses Are Not Covered?

While AAA Travel Accident Insurance provides valuable benefits, there are some limitations on what is covered:

Excluded Accidents/Losses:

• Illness or disease

• Mental or emotional disorders

• Pregnancy and childbirth

• Strokes or cerebrovascular accidents

• Suicide or attempted suicide

• Declared or undeclared war

• Commuting accidents (only covers while in direct transit to the trip)

Other Exclusions:

• Injuries while piloting an aircraft

• Accidents on personally owned, leased, or chartered aircraft

• Races or speed contests

• Injuries while driving under the influence

Be sure to read the full exclusions section of the policy. But in general, the coverage is designed for unforeseen accidents while traveling, not pre-existing conditions or high risk activities.

How Much Does AAA Travel Accident Insurance Cost?

A major advantage of this coverage is that there are no direct costs for eligible AAA Premier members.

The travel accident insurance is included automatically when you join AAA Premier. The premium costs are built into the AAA Premier membership dues.

AAA Premier membership starts at just $99 per year in most states, with rates varying based on your location. This covers the entire household, including spouse/partner and dependents under 26 years old.

Considering a AAA Premier membership can save you hundreds on travel, automotive and shopping discounts, the travel accident insurance coverage provides even more value and protection.

How to File a AAA Travel Insurance Claim

If you need to file a claim due to an accident on your trip, follow these steps:

• Report the accident to AAA as soon as possible. Claims should be filed within 60 days.

• Submit a written claim form, which can be obtained from your local AAA branch.

• Provide documentation such as medical records, death certificates, and police reports to verify the loss.

• You or your beneficiaries will need to provide proof of travel purchases through AAA and documentation of the accident.

• A claims examiner will review the documentation and investigate the circumstances of the accident.

• If approved, the applicable benefit amount will be paid via check.

Contact your local AAA branch anytime you need assistance filing a claim.

Why AAA Travel Accident Insurance is Worth It

Travel insurance is always smart when venturing away from home. With AAA Member Loyalty Travel Accident Insurance, you get these key benefits:

• Peace of Mind – Travel worry-free knowing your accident risks are covered.

• Convenient – The coverage is built into your AAA membership automatically.

• Affordable – There are no extra costs or premiums for eligible members.

• Comprehensive – Benefits cover everything from small injuries to the unthinkable.

• Worldwide – Protection applies wherever you travel globally.

• Worry-Free Claims – AAA agents help handle paperwork if a claim occurs.

For AAA members, this insurance provides protection for life’s unexpected events without the hassle or cost of a separate policy. Learn more about this coverage when planning your next adventure away from home.