Everything You Need to Know About AAA Travel Insurance and COVID-19

Traveling during the COVID-19 pandemic can be a stressful experience, with health concerns and travel restrictions constantly changing. To help ease some of these worries, AAA travel insurance offers coverage specifically tailored to COVID-related issues. In this article, we’ll go over all the important details about AAA travel insurance and COVID-19.

What is AAA Travel Insurance?

AAA travel insurance is a type of insurance provided by AAA, a membership organization that offers a range of automotive, travel, and financial services. AAA travel insurance provides coverage for a variety of travel-related issues, such as lost luggage, trip cancellations, and medical emergencies.

What Types of AAA Travel Insurance are Available?

AAA offers a range of travel insurance plans, including:

Plan Type
Description
Basic
Covers trip cancellations, interruptions, and delays
Deluxe
Adds coverage for trip and baggage delays, medical expenses, and emergency evacuations
Preferred
Adds coverage for pre-existing medical conditions and financial default of travel suppliers

Each plan has different levels of coverage and may include additional benefits like rental car insurance or roadside assistance. AAA members may also be eligible for discounts on their travel insurance premiums.

What COVID-19 Coverage is Included in AAA Travel Insurance?

AAA travel insurance plans now include coverage for COVID-19-related issues. This includes:

Trip Cancellations and Delays Due to COVID-19

If your trip is cancelled or delayed due to COVID-19 related issues, such as border closures, quarantine requirements, or the illness of a travel companion or family member, AAA travel insurance may provide coverage. This coverage is available for all AAA travel insurance plan types.

Emergency Medical Expenses and Evacuations Due to COVID-19

If you become ill with COVID-19 while traveling, AAA travel insurance may cover emergency medical expenses and medical evacuations. This coverage is available with the Deluxe and Preferred plan types.

Quarantine Accommodations Due to COVID-19

If you are required to quarantine due to COVID-19 while on your trip, AAA travel insurance may cover the cost of your quarantine accommodations. This coverage is available with the Deluxe and Preferred plan types.

What COVID-19 Coverage is Not Included in AAA Travel Insurance?

While AAA travel insurance now provides coverage for COVID-19-related issues, there are a few exceptions and limitations to this coverage. These may include:

Travel to Countries with Level 4 COVID-19 Advisories

If you choose to travel to a country with a Level 4 COVID-19 advisory from the U.S. Department of State, such as Afghanistan or North Korea, your travel insurance coverage may not apply.

Canceling Your Trip Due to Fear of COVID-19

If you cancel your trip due to fear of contracting COVID-19, your AAA travel insurance coverage may not apply.

How Do You Purchase AAA Travel Insurance?

To purchase AAA travel insurance, you must be a AAA member. You can purchase travel insurance through the AAA website or by calling their customer service line. When purchasing travel insurance, be sure to carefully review the terms and conditions of each plan to ensure you have the coverage you need for your specific trip.

FAQs About AAA Travel Insurance and COVID-19

Is AAA Travel Insurance Worth It?

Whether or not AAA travel insurance is worth it depends on your specific travel situation and needs. If you are planning a trip that involves a significant financial investment, such as a luxury cruise or international vacation, travel insurance may be a wise investment. In addition to coverage for COVID-related issues, AAA travel insurance can provide peace of mind in case of unforeseeable events like flight cancellations or lost luggage.

What if I Contract COVID-19 Before My Trip?

If you contract COVID-19 before your trip and are unable to travel, your AAA travel insurance may provide coverage for trip cancellations or delays. However, if you knew you had COVID-19 when you purchased your travel insurance plan, you may not be covered.

What if I’m Already Traveling and Develop COVID-19 Symptoms?

If you develop COVID-19 symptoms while traveling, it’s important to seek medical attention right away. Your AAA travel insurance may cover emergency medical expenses and medical evacuations related to COVID-19.

What if I Need to Cancel My Trip Due to a Family Member’s COVID-19 Diagnosis?

If a family member is diagnosed with COVID-19 and you need to cancel or delay your trip as a result, your AAA travel insurance may provide coverage. However, coverage may not apply if the family member’s COVID-19 diagnosis was known before you purchased your travel insurance plan.

Is COVID-19 Coverage Included in All AAA Travel Insurance Plans?

COVID-19 coverage is included in all AAA travel insurance plan types. However, the specific coverage provided may vary depending on the plan you choose.

Final Thoughts

Traveling during the COVID-19 pandemic can be nerve-wracking, but AAA travel insurance can help ease some of the stress by providing coverage for a range of COVID-related issues. Whether you’re planning an international vacation or a road trip closer to home, consider purchasing AAA travel insurance and carefully reviewing the terms and conditions of each plan to ensure you have the coverage you need for your specific trip.