AARP Trip Insurance – Everything You Need to Know

Traveling is all about experiencing new things, exploring new cultures, and creating unforgettable memories. However, amidst all the excitement, there’s always a possibility that things may go awry. From cancelled flights to illnesses, the unexpected can happen at any time. This is where travel insurance comes in, and AARP Trip Insurance is a popular option among many travelers. In this article, we’ll take a closer look at what AARP Trip Insurance is, what it covers, and why it might be a good choice for you.

What is AARP Trip Insurance?

AARP Trip Insurance is a travel insurance policy offered by The Hartford, a leading provider of insurance and wealth management services. AARP stands for the American Association of Retired Persons, a nonprofit organization that provides resources and services to people over the age of 50. The Hartford has partnered with AARP to offer travel insurance specifically designed for older travelers.

The AARP Trip Insurance policy provides coverage for trip cancellation, trip interruption, emergency medical expenses, and other unforeseen events that may occur during your travels. It is available to AARP members and non-members alike, although there are certain benefits and discounts that are exclusive to AARP members.

Who is eligible for AARP Trip Insurance?

AARP Trip Insurance is available to anyone who is traveling domestically or internationally. However, there are certain age restrictions for certain benefits. For example, the emergency medical coverage is only available to travelers under the age of 80. The policy also has certain exclusions and limitations, so it’s important to read the fine print before purchasing.

How do I purchase AARP Trip Insurance?

You can purchase AARP Trip Insurance online or over the phone. To purchase online, simply visit The Hartford’s website and select the AARP Trip Insurance option. You’ll be asked to provide some basic information about your trip, including your travel dates, destination, and the total cost of your trip. The website will then provide you with a quote for your policy. If you prefer to purchase over the phone, you can call The Hartford’s customer service line and speak with a representative.

What Does AARP Trip Insurance Cover?

AARP Trip Insurance covers a wide range of events that may occur before or during your travels. Here are some of the key benefits:

1. Trip Cancellation and Interruption Coverage

If you’re forced to cancel your trip before you leave, or if your trip is interrupted due to unforeseen circumstances, AARP Trip Insurance will provide coverage for your non-refundable travel expenses. This includes the cost of your flight, hotel, rental car, and other pre-paid expenses. Covered reasons for trip cancellation and interruption include illness, injury, death, and severe weather.

2. Emergency Medical and Dental Coverage

If you become ill or injured while traveling, AARP Trip Insurance will provide coverage for your medical expenses. This includes hospital stays, emergency room visits, and doctor’s fees. The policy also includes dental coverage for emergency dental treatment.

3. Travel Delay Coverage

If your flights are delayed due to weather, mechanical problems, or other reasons, AARP Trip Insurance will provide coverage for your additional expenses, such as hotel stays, meals, and transportation.

4. Baggage and Personal Effects Coverage

If your luggage or personal belongings are lost, stolen, or damaged during your trip, AARP Trip Insurance will provide coverage for the cost of repairing or replacing them.

5. 24-Hour Travel Assistance

AARP Trip Insurance also includes 24-hour travel assistance, which provides help with emergency travel services such as medical referrals, emergency cash transfers, and passport and visa assistance.


1. How much does AARP Trip Insurance cost?

The cost of AARP Trip Insurance depends on a number of factors, including the length of your trip, your age, and the amount of coverage you require. Prices range from around $70 for a short domestic trip to several hundred dollars for a longer international trip.

2. How long does it take to get coverage?

Once you purchase your AARP Trip Insurance policy, you will receive a confirmation email that includes your policy details and a 24-hour emergency assistance number. Coverage typically starts on the day you purchase the policy.

3. Can I cancel my AARP Trip Insurance policy?

Yes, you can cancel your AARP Trip Insurance policy within a certain period of time after purchasing it, usually within 10-14 days. If you cancel within this time frame, you will receive a full refund.

4. Can I make changes to my AARP Trip Insurance policy?

Yes, you can make changes to your AARP Trip Insurance policy up until the day before your trip begins. This includes adding or removing coverage, changing your trip details, or cancelling your policy altogether.

5. Is AARP Trip Insurance worth the cost?

Whether or not AARP Trip Insurance is worth the cost depends on your individual travel plans and preferences. If you’re traveling domestically and have a relatively low-risk trip, you may be able to get by without travel insurance. However, if you’re traveling internationally or have a more complex trip planned, travel insurance can provide peace of mind and financial protection in case something goes wrong.


Traveling can be an exciting and enriching experience, but it’s important to be prepared for the unexpected. AARP Trip Insurance is a popular option among many travelers, particularly those over the age of 50. With coverage for trip cancellation, emergency medical expenses, and other unforeseen events, AARP Trip Insurance can provide peace of mind and financial protection during your travels. If you’re planning a trip in the near future, consider purchasing AARP Trip Insurance to protect yourself and your investment.