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Guide to American Airlines Travel Insurance

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Travel insurance can be one of the most confusing parts of booking a trip. Since many credit cards already include travel insurance, the question of whether to buy airline insurance can make sense.

Why would you pay twice for the same benefits? But, that’s the thing: Not every type of credit card covers the same travel insurance perks.

You’ll want to check if the card you use to book a flight covers a cancellation , lost baggage or an abrupt change to your travel plans — perhaps due to a medical emergency. Being prepared can save you a lot of money in the long run.

This is especially true if you cannot take a trip, which would mean forfeiting the money you spent on nonrefundable flights and hotels.

If you want maximum protection, consider your credit card insurance with an airline’s policy like from American Airlines travel insurance.

Understanding the American Airlines insurance policies can protect you on your next trip with the carrier.

American Airlines trip insurance plans

American has plans for international and domestic trips you book with the carrier, and the services are administered by Allianz Global Assistance . You’ll see the offer when completing a flight reservation on the website.

When you qualify, the policy can refund part of an itinerary or the entire purchase based on any travel costs or emergency medical expenses in case of a disruption or delay. The promotional offer you receive when booking a ticket is based on the cost of your flight. It is valid for that trip only, unlike annual or multi-trip plans that you would buy from Allianz directly.

Often, you won’t see the trip insurance policy on your American reservation, as it's sold by a third party. But keep a record of the policy information.

» Learn more: What to know before buying travel insurance

What does American Airlines travel insurance cover?

When you buy American Airlines travel insurance, you will be eligible for coverage for various travel issues like delayed or lost bags, medical expenses during the trip or if you have to cancel the trip altogether.

Some features of travel insurance can vary depending on where you live, so be sure to read the fine print.

This is what the flight insurance from American Airlines covers:

Trip cancellation and trip interruption costs. If you paid for any nonrefundable expenses and have to cancel or change your trip due to reasons like illness or injury, you’ll receive a refund for those costs. This can be especially valuable for bucket-list trips like cruise or safari vacations where you spend a lot of money. Each U.S. state sets a limit for the refund amount, so be sure to review those details.

Emergency medical transportation. If you need to be airlifted or driven a long distance to the nearest appropriate hospital or urgent care center, this would be covered by insurance. This can be pretty expensive in some remote locations, and insurance can cover the cost of a helicopter airlift if needed. The American travel insurance benefit for emergency medical transportation is as much as $50,000.

Emergency medical and dental protection. While at the hospital or urgent care facility, you may need immediate care. American Airlines trip insurance would cover up to $10,000 in medical and dental expenses for an eligible occurrence. 

Travel delay. This is a valuable benefit, one covered by many credit cards. If you encounter a trip delay of at least six consecutive hours, this insurance will provide meal and accommodation reimbursements. The maximum coverage limits vary by U.S. state. Airlines have their own policies in these situations, and if traveling from the European Union or on an E.U.-based carrier to Europe, you may also be covered for additional compensation. 

Lost or damaged baggage. If your baggage is lost, damaged or stolen, American Airlines travel insurance reimburses you up to $500 for your personal items.

Baggage delay. This protection covers the contents of your bag if your baggage was delayed for more than 24 hours. You’ll want to keep eligible receipts of your purchase to submit a reimbursement claim, typically up to $100 per person.

24-hour assistance. This policy would provide you with direct access to someone who can assist you with any travel-related emergencies.

Rental car collision and damage. You would be eligible for primary coverage without a deductible.

» Learn more: Best credit cards for travel insurance benefits

What isn't covered by American Airlines travel insurance?

Remember that airlines like American receive a percentage of the sale of travel insurance, so they are eager to promote it. But not all circumstances are covered. This means it is important to review the exclusions.

These are some of the situations that wouldn't be eligible for reimbursement or assistance.

Losses due to government restrictions, travel advisories or warnings (For example: If the U.S. government issues a warning not to travel somewhere).

Losses due to known, foreseeable and expected events (like a hurricane where advance warnings are available).

Epidemics, natural disasters, pollution leading to flight disruption and war.

Preexisting medical conditions.

Pregnancy, fertility treatment and childbirth.

Health issues related to alcohol or drug use.

Injury during professional or amateur sports training.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

American Airlines international travel insurance cost

The cost will vary depending on where you are going, often based on the total nonrefundable trip cost and the state where you reside.

To get a more detailed idea of an American Airlines travel insurance plan, an online form calculates your trip details to give an approximate cost. After purchasing it, you have 15 days to change your mind and request a refund as long as your trip hasn't started or you haven't filed a claim.

» Learn more: The best travel insurance companies

This travel protection plan offers insurance for just one trip itinerary unless you buy an annual plan. A single trip insurance plan otherwise does not cover additional trips or mishaps that happen before or after your flight journey. It comes with protections for lost bags or emergency medical assistance, which can be helpful — especially if you don’t use a credit card to pay for the trip that has its own insurance protections. Other benefits can include trip interruption or cancellation, emergency dental care, rental car insurance and baggage delay.

You can pay for this when you purchase a flight on American’s website or any time after you buy a ticket on the Allianz website.

American travel insurance plans come underwritten by Jefferson Insurance Company or BCS Insurance Company. They use AGA Service Company as the licensed producer. These plans are recommended and sold by Allianz Global Assistance, not American Airlines.

Yes, if canceled within 15 days of purchase and your trip has not begun. If you have filed a claim, then you would not be able to cancel.

You can pay for this when you purchase a flight on American’s website or

any time after you buy a ticket

on the Allianz website.

Is American Airlines travel insurance worth it?

This will come down to your own personal risk tolerance, but with so many exclusions on the list, it may not be. That’s because you are already protected by your credit card in many instances.

If you use a card like The Platinum Card® from American Express or the Chase Sapphire Reserve® to pay for your trip, you may end up paying again on certain benefits when buying flight insurance from American.

Be sure to compare the benefits, as the amount of lost baggage or emergency medical coverage can be different for each credit card or airline.

» Learn more: The best travel credit cards right now

Buying a nonrefundable flight ticket may be one of the top reasons to consider this flight insurance, but make sure that the exclusions don’t apply to you. Also, you will want to consider your finances if you are required to cover the cost of lost bags or flights.

If not, the small added cost of insurance could be decent protection in the long run if something were to go wrong during the journey.

(Top photo courtesy of American Airlines)

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

on Citibank's application

1x Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

70,000 Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

AA Travel Insurance: Reviews, Voucher Code & Policy Information

AA Travel Insurance offers additional benefits to its AA members. Our two favourites are the excess waiver and new for old baggage. Don’t worry if you’re not a member, the policies rate highly with industry professionals and there are bonuses for everyone. Here’s a teaser, golf cover is standard in their policies! Read on to find out more....

Travelling the World?

Don’t forget to get travel insurance for your journey

AA Travel Insurance Reviews

Approximately 97% of customers read online reviews before they buy. That’s not just travel insurance, but across the board (that new ramen restaurant, snowboard, speakers etc).

Virtually every one of us does it and it can be really helpful, particularly those reviews that seem to answer our questions directly! Sometimes you have to take them with a pinch of salt though.

We found that the online reviews on AA are very mixed. On the one hand, reviews from industry professionals are really positive. On the other hand, customers paint quite a different picture! No matter how you view them, don’t forget to have your non-negotiable factors in mind when choosing travel insurance.

Let’s look at what some of the industry bodies say first.

Fairer Finance 2019 product ratings for AA Travel Insurance policies.

As you can see from the chart, Fairer Finance rates AA’s Silver and Gold policies very highly. However, the Bronze package only gets one star, meaning it is low in features and does not provide comprehensive cover.

Fairer Finance also collates data on customer reviews. Overall, AA Travel Insurance received 61% for its customer experience rating. This takes into account customer happiness, customer trust, complaints performance and transparency rating. This figure doesn’t sound overly impressive, but to put it in perspective, the top rating is 65% and the lowest is 36%. That puts AA right up there as a brand that customers trust.

• Fairer Finance is an independent company that compares the quality of travel insurance policies. They score products out of one to five stars, based on features that are included as standard.
• Defaqto is an independent financial information business. Its goal is to help consumers make better-informed decisions. They also rate travel insurance policies based on quality rather than price.

Again, AA’s Silver and Gold policies rated impressively, both getting the full five stars. The Bronze policy only received two stars though, implying that this policy has less to offer. The Silver policy is looking like great value for money at this stage, as it is cheaper than the Gold but also offers an excellent level of cover.

Now customer reviews. Like we mentioned before, customers who left reviews online weren’t exactly as satisfied.

Of the 253 customers who left a review on TrustPilot, 90% of customers gave AA Insurance one star (bad rating). Be aware though, this is not just for travel insurance but other AA Insurance products too and the majority were related to car insurance.

Review Centre has a section dedicated to AA Travel Insurance so gives us a more accurate depiction. There were 57 reviews and the average score was 1.7/5 stars.

Paid all my medical expenses without any quibbles. A happy customer Awful service, long telephone hold queues, no resolution. A disgruntled customer

Based on these customer reviews, it would seem the customer service may not be up to scratch. We think you should always weigh up the customer and industry professional reviews, along with the actual benefits of the policy. Before we get into the nitty-gritty details of the policy, we have made this comprehensive guide on how to select travel insurance, if you are new to this.

AA Travel Insurance Policy Types and Details

AA Travel Insurance offers the two standard travel insurance policy types:

• Single Trip Insurance - when we ran a quote on the AA website, the maximum period of time it would allow for a single trip was 185 days. This is a decent period of time and plenty of time for most holidays. If you are backpacking through Asia for longer though, you will find other insurers who provide cover for more than double this length of time. LV (page coming soon) offers up to 366 days.
• Annual Multi-trip Insurance - AA offers you 30, 44 or 61 consecutive days of cover to choose from if you’re after an annual policy. We love this flexibility as you only pay for what you need. Most insurers only offer one standard period.

Here’s a snapshot of the key features that come as standard. Like most travel insurance policies these days, AA Travel Insurance offers three levels of cover: Bronze, Silver and Gold. Bronze offers the least amount of protection and Gold is the most comprehensive.

An AA member is someone who has AA breakdown cover. To qualify for any member benefits listed, you must be a member at the time of purchasing your travel insurance policy.

As part of these standard policies, AA covers many sports and activities, but as always, check the fine print. For example, hiking/trekking is only covered up to 2,500 metres above sea level.

This would be more than adequate in most situations, but 514 mountains in the Alps alone are above 2,500 metres. To us mere mortals, the sheer thought of 2.5 kilometres into the clouds sounds terrifying (and a little crazy, sorry!). To those of you grinning away and recalling your last epic summit, this advice is for you. It’s safe to say that you are likely fitter than most of us, and will probably scale a mountain higher than 2,500 metres at some stage in your holiday.

Moral of the story - with any adventure sport, always check the fine print or call the insurer to confirm what is covered and find out any possible exclusions. After all, you don’t want to be stuck on the top of a mountain waiting to be airlifted, wondering how much this private, unplanned flight is going to set you back!

One sport you won’t have to worry about with AA Travel Insurance is golf cover. If you’re looking for cheap golf cover, AA covers golf as standard in their policies! It doesn’t get any better than that! This offer is for everyone and not just AA members. As always, be sure to check the limits are enough to cover your equipment first.

We know that baggage can be one of the trickiest travel insurance items around. Luckily, it’s not quite as difficult as trying to remember your combo lock code for your suitcase. Some insurers make you add it on as an extra, others have a high maximum payout on the premium but then will pay next to nothing for a single item! It can be a little confusing, we know. Here’s a summary of AA inclusions. Great news! You don’t have to pay extra as it’s included in all policies:

The single article limit under baggage is the maximum AA will pay for any one item, pair, or set of items.

As we mentioned, the single item limit included in baggage can be tricky. AA pays £225 - £400 for each item. If you’re a gadget lover, this probably won’t cover your laptop (heaven forbid it leaves your side). To give you an idea of the industry average, usually single item limits are between £150-£500. This puts AA smack bang in the middle.

If you want to insure high-tech, expensive gadgets, there are specialist insurers that offer higher single item limits so shop around if you need. If you’re just taking your flip-flops and books, you should be sweet and fully covered with AA.

AA Travel Insurance policies have reasonably low excesses and a special deal if you are an AA member (see below).

If you are an AA member and you take out a Silver or Gold level of cover, no excess will be charged if you make a claim under any of the policy sections.

Optional Extra - Winter Sports

Here are the benefits you will receive with AA if you choose to add winter sports onto your single trip or annual multi-trip policy:

*No excess will be charged in the event of a claim, regardless of the policy level held or your AA member status.

If you want more help on choosing winter sports cover, why not check out our guide on the best ski travel insurance 2019?

AA Travel Insurance Login

AA Insurance has a new online account system for customers. If you sign up for insurance with them, you will be able to access your policy documents and check your cover level there.

There are big plans for the system underway, and soon you will be able to amend your policies there too. In the meantime, you can call the team to make any changes.

You can find all the relevant contact details for AA on our contacts page. Having trouble with your AA travel insurance login? Head to Selectra's step by step AA login guide to see how to log in to your account smoothly.

AA Travel Insurance Voucher Code & Prices

You can receive up to 18.9% of your purchase back if you buy AA Travel Insurance through the TopCashback site. You will need to sign up with TopCashback, if you haven’t already.

To test it out, we went ahead and signed up, and you only need to enter your email and password. Then click ‘Get Cashback Now’ and you will be taken to AA’s site. You will get your quote directly through AA Travel Insurance but it recognises and records the fact you came via TopCashback. Happy shopping!

Policy Prices

In order to compare prices, we have done a comparison for an annual policy including Europe for a 35-year-old woman with no pre-existing medical conditions.

The prices displayed are correct as of July, 2019 and are for guidance purposes only. Once you perform a quote, the figures provided will be the most up-to-date. Based on our example, here are our recommendations around the different levels of cover:

• Bronze - considering the industry professionals did not rate this highly for features, we feel this is a little overpriced. It is more expensive than the average Bronze policy on the market and will only provide you with limited cover.
• Silver - this feels like a winner to us. With Fairer Finance rating it four stars and Defaqto scoring it five stars, you will get a very good level of cover and it comes in cheaper than the average Silver policy.
• Gold - this is rated the absolute highest quality by industry professionals so you can rest assured you will have comprehensive cover. It is more expensive than others on the market though, so you may want to shop around if you need the absolute maximum level of protection.

AA Travel Insurance Cancellation

AA will provide a full refund of your premium if you meet all of the following requirements:

• You contact AA Travel Insurance within 14 days of receiving your Policy Documents.
• You have not made, and do not intend to make a claim.
• No incident has occurred which may mean you need to make a claim.
• You have not travelled.

Otherwise, no refund of your premium will be made. You can still cancel your policy after 14 days but you will not receive a refund.

AA Travel Insurance Claims & Complaints

If you need to make a claim or complaint, head to our AA Insurance guide (coming soon). If you phone, we recommend having the following information ready:

• Name, address, telephone number, email address.
• Your policy number and/or claim number.
• Type of policy you hold.
• The reason for your complaint or claim.

What is AA’s Emergency Assistance number?

Every travel insurer has a 24/7 helpline you can ring if you have an emergency while on your trip. With AA travel insurance, If you need Emergency Assistance you should call +44 (0)1473 356 274.

Data and information correct as of July 2019.

All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.

Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary ( moneyadviceservice.org.uk offers free, independent advice on all financial issues).

The services and products mentioned on this website may only represent a small selection of the options available to you. Selectra encourages you to carry out your own research and seek advice if necessary before making any decisions. We may receive commission from selected partner providers on sales of some products and/or services mentioned within this website. Our website is free to use, and the commission we receive does not affect our opinion or the information we provide.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Vouchers – Transportation Vouchers 

Additional Terms and Conditions

General Information

Exchanging a Voucher for a New Ticket

Filing the Voucher

Not Accepted For

Vouchers are Non-Transferable

All transportation vouchers issued by American Airlines or American Eagle ®  are valid for travel on American Airlines, American Eagle, and American codeshare flights (AA*).

These vouchers are also valid for travel on  one world ®  itineraries (including oneworld affiliates that must be booked as a codeshare flight marketed by a  one world carrier) where American or American codeshare flights (AA*) is the international carrier.

Note: For  one world itineraries, international flights are defined as transatlantic, transpacific and flights to and from South America. Flights to and from Alaska, Canada, Mexico, Caribbean, or Central America are not included.

Travel agents may accept American Airlines vouchers (040/042/043) for full or partial payment for a ticket as an "exchange" document/ticket. If the voucher is less than the ticket the additional monies are collected. If the voucher exceeds the ticket cost a residual is applicable. There is no change fee associated with using a voucher.

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The 13-digit voucher number is indicated in the EXCH box. A maximum of one or two vouchers can be used per Customer (see below). The automated endorsement verbiage will transmit to the new ticket. This endorsement verbiage should not be altered and does not need to include any other required wording associated with the Fare Basis Code (FBC).

·           ARC/IAR: May use up to two (2) vouchers as form of payment; refer to ARC Agency Help Desk for assistance in applying 2 vouchers to an agency ticket.

·           BSP: Only one (1) voucher can be used as form of payment.

An example of an endorsement when using a voucher as the exchange document is:

ENDORSEMENTS/RESTRICTIONS – VALID ON ANY ONEWORLD CARRIER ONLY

Once the voucher (s) is applied to a new ticket, the agency will file the voucher for auditing purposes. Put a diagonal line across the voucher and write the  001 ticket  number on the voucher. Agency must keep the paper voucher on file for a minimum of 3 years.

Residual Value

·           Customer has an Transportation Voucher issued to them by AA and  provides the voucher to their travel agency for the purchase of a new ticket of lower value; any remaining value less the change fee may be submitted on an MCO (refer to  Miscellaneous Charge Orders (MCOs)   )

·           Customer has  an  Transportation Voucher issued to them by AA and provides the voucher to their travel agency for the purchase of a new ticket of lower value; any remaining value may be submitted on an RA for a transportation voucher issued in the same name as it appears on the original voucher

·           Customer has a wholly unused 001 ticket and is applying it toward the purchase of a new ticket of lower value; any remaining value less the change fee may be submitted  on an RA for a transportation voucher (Refer to  BSP Refund Application (RA) Residual )

Vouchers Are Non-Transferable

Vouchers are non-transferable. However, the voucher owner may present and use the voucher toward the purchase of a ticket for anyone, as a form of payment. If a voucher is applied to a ticket of lower  value  the remaining monies will be issue to a voucher in the same name as it appears on the original voucher as the voucher is non-transferable.

·           Vouchers are valid for 1 year from the original date of issue

·           Ticketing or reissue must be done on/before the expiration date

·           Blackout dates on travel vouchers are not applicable.

·           Transportation vouchers are tax exempt. Exception- vouchers with code OU are taxable.

·           Document assembly may be found in the ARC Handbook section 6.0.

·           No cash refunds.

·           Lost or stolen vouchers will not be replaced.

·           Vouchers may be accepted in any currency and must be converted to the currency of the ticket being issued.

Not Accepted for

Vouchers cannot be used to purchase any of the following:

• Any Bulk/ IT/ Tour Operator/ opaque fares
• Tickets through an internet agency including Hotwire, Expedia, Orbitz, Priceline, and Travelocity or any opaque fares
• AA credit card payments
• Admirals Club initiation charges, annual member dues, day passes or replacement Admirals Club cards
• Airline fares other than AA/AA* codeshare
• Alternate transport such as Air Cargo Waybills, Priority Parcel Service or Air Transport Program (ATP)
• Baggage Charges for Excess/Overweight/ Oversize or Prepaid baggage
• Infant ticket, related  taxes  or charges
• Inflight amenities such as food purchases
• Gift cards or MCOs
• Load Factor Based Upgrade (LFBU)
• Payment of tangible non-transportation services such as inflight oxygen, UMNR (Unaccompanied Minor) charges, Inflight Entertainment, or other ancillary charges, etc.
• Purchases of tangible products such as pet kennels, gun cases, bike boxes, replacement Admirals Club cards, tourist cards, etc.
• Same Day Flight Change
• Seats - Preferred and Main Cabin Extra
• Sport Items charges for items that are considered excess baggage
• Taxes and fees when *only* taxes and/or fees are being additionally collected, i.e., AAdvantage award ticket
• Tourist Card Purchase
• UMNR charges

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As a member of AAA, you have access to one of the world's leading travel agencies and all the experience, savings, and value that go with it. Each time you travel with AAA, you earn rewards that can save you up to $100 on your next vacation* .

As a member of AAA, you have access to one of the world's leading travel agencies and all the experience, savings, and value that go with it. Each time you travel with AAA, you earn rewards of up to a $500 gift card when you book your next vacation with select travel partners.

Redeem your rewards*

When you return from vacation, you'll receive a Welcome Home email or postcard that lets you know you've qualified for a travel reward. Simply call your AAA travel agent when you're ready to plan your next trip.

Choose your gift card from more than 150 retailers and restaurants like Amazon, Best Buy, Banana Republic, Giant and more. You are unique and your reward should be, too!

*Get up to a $500 gift card for your next cruise or tour vacation booking made within 90 days of the return date of your last cruise or tour vacation with a minimum qualifying value of $3,000. New booking must be made with AAA Travel and a AAA preferred supplier. The gift card amount is based on the total invoice value of the new booking ($500 gift card for bookings of $15,000 or more; $300 gift card for bookings of $9,000 to $14,999; $200 for bookings of $6,000 to $8,999, or $100 for bookings $3,000-$5,999.). This offer is not combinable with other AAA Club Alliance offers, and cannot be stacked if multiple bookings are made. This offer is combinable with supplier offers available at the time of booking. Gift card fulfillment instructions will be emailed within 14 days to the email address provided at the time of final payment. Gift cards can be redeemed towards the recipient’s choice of dozens of retailers and restaurants. After the gift card selection is made, please allow 2-4 weeks for gift card delivery via U.S. mail. This program is effective for new bookings made after April 1, 2022 and may be modified or revoked at any time without notice. Other terms and conditions may apply. Go to AAA.com/WelcomeHome or ask a AAA Travel Agent for more details.

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Welcome Home Bounceback Offers

AAA Member Choice Vacations African Travel Alexander + Roberts AMA Waterways Amtrak Vacations Brendan Vacations CIE Contiki Country Walkers Generic --> Insight Vacations Journese Pleasant Holidays Railbookers Tauck Trafalgar Travel Impressions Uniworld VBT Viking AAA Travel makes planning―and SAVING―EASY . Don't miss out on your opportunity to save!

AAA Member Choice Vacations

Book with AAA Member Choice Vacations again and save up to $150.

$150 credit is valid for travel within 12 months of original trip. $100 of the credit remains valid for travel within 13-24 months. Credit expires 24 months after the original trip.

Brendan Vacations

Brendan Vacations past guests unlock special offers on select trips and departures when you travel again with Brendan Vacations or have previously traveled with one of TTC sister brands.

Save up to 5% Past Guest discount is valid on new Guided Vacation bookings for past guests who have previously traveled with TTC brands one to three times. Savings is valid for a limited time after each of our new trips are released. Exclusive offer periods will be posted above when they are available. Past guests who have previously traveled with TTC brands four or more times and are booking their fifth or more trip, will save 5% on all Guided Vacations, all destinations, all year round. Savings are valid on the land only portion of select Guided Vacations, are not valid on airfares and extra night’s accommodations and may be withdrawn at any time without notice; combinable with most offers, but some exclusions apply. These new past guest discounts/savings replace all previous Past Guest/Frequent Traveler Discounts and are not in addition to. Conditions apply. CST#2084503-20

Book with CIE Tours again and save $150 per repeat guest when you book within 120 days of returning.

Use Code PG1920. $150.00 repeat guest discount will be applied to a new CIE Tours reservation if booked within 120 days of return from previous travel. This offer can be combined with any other CIE Tours promotion and is valid for all scheduled tours or Private Driver vacations. Discount will be applied once travel history has been verified. Not valid on groups or self-drive. Other restrictions may apply. CIE Tours reserves the right to withdraw this promotion at any time. Offer good for returning customers.

Insight Vacations

Insight Vacations past guests unlock special offers on select trips and departures when you travel again with Insight or have previously traveled with one of TTC sister brands.

Restrictions may apply. See your AAA travel agent for details.

Book with Journese again and save up to $100 on your next vacation when booked within 12 months of your last vacation start date.

Must be booked within 12 Months of your original holiday with no travel expiration date. Other restrictions may apply. See your AAA travel agent for details.

Pleasant Holidays

Book with Pleasant Holidays again and save up to $100 on your next vacation when booked within 12 months of your last vacation start date.

Bounce Back Offer does not apply to Air by Pleasant. Must be booked within 12 months of your original holiday with no travel expiration date. Additional terms and conditions may apply. Please see your AAA travel agent for details.

Amtrak Vacations

Book with Amtrak Vacations again and get a $100 booking bounce back offer to use towards a future booking of three cities or more on independent Rail Journies. Combinable with other published offers.

$100 coupon valid for future travel towards any 3 cities stay Independent Rail Journey with Amtrak Vacations. Travel is subject to availability and blackout dates may apply. Prize is non-transferable and not redeemable for cash. Items not specifically listed as included and any taxes associated with those items are the responsibility of the traveler. Rail from your hometown is not included in the package. Coupon Expires 1 year from original booking travel date. Other restrictions may apply. Visit or call your local AAA office to redeem.

Trafalgar past guests unlock special offers and savings on select trips and departures when you travel again with Trafalgar or have previously traveled with one of TTC sister brands.

5% Very Important Traveler (VIT) discount is valid on new bookings for past guests who have previously traveled with TTC brands one to three times, booking their next trip. Savings is valid for a limited time after each of our new trips are released. Exclusive offer periods will be posted above when they are available. 5% Very Important Traveler Plus (VIT+) discount is valid on new bookings for past guests who have previously traveled with TTC brands four or more times and are booking their fifth or more trip. VIT+ guests will save 5% on all trips, all destinations, all year round. Savings are valid on the land only portion of select itineraries, are not valid on airfares and extra night’s accommodations and may be withdrawn at any time without notice; combinable with most offers, but some exclusions apply. These new VIT discounts/savings replace all previous Past Guest/Frequent Traveler Discounts and are not in addition to. Conditions apply. CST#2077132-20

Travel Impressions

If your previous booking was valued at $4,000 or more and you book with Travel Impressions again, you'll save an additional $100 when you book your next trip valued at $4,000 or more within 12 months of your first trip. Not combinable with your AAA Member benefit.

Qualifying trip must be valued at $4,000 or more and next trip must be booked within twelve (12) months of the original travel date with a minimum value of $4,000, with travel completed within fifteen (15) months of original booking. Bounce Back Offers are non-transferable, non-combinable, and have no cash value. Offer is for members only – one member benefit per booking allowed. Booking must include Air and Land components and must be used within 365 days. Other restrictions may apply.

African Travel

African Travel past guests unlock special offers on select trips and departures when you travel again with African Travel, or have previously traveled with one of TTC sister brands.

Alexander + Roberts

Book with Alexander+Roberts again and get exclusive repeat traveler discounts! As a member of Alexander+Roberts' World Traveler Club, you'll save up to $250 as a repeat traveler.

AMAWaterways

Book with AmaWaterways again and save $100 per person on your cruise fare. Plus, enjoy an exclusive guest reception on your next cruise.

AmaWaterways Privilege Program Benefits apply to new cruise bookings and are non-transferable. All listed benefits are applicable during the noted cruise for each level and are per stateroom unless stated otherwise. Complimentary airport transfers are applicable to arrival/departures as per brochure itinerary only. Stateroom upgrades applies to one category upgrade only (i.e. booked in Cat. E can only upgrade to Cat. D), are based on availability, are for like-to-like categories, and exclude all suites, except in Africa and Myanmar. Privilege Program and its benefits are subject to change without notice.

Plus, Contiki past guests unlock special offers on select trips and departures when you travel again with Contiki or have previously traveled with one of TTC sister brands.

Book any Contiki trip 7+ days and save 5%. Eligibility for this discount is based on clients having booked & traveled with Contiki (or one of our Travel Corporation sister brands, visit thetravelcorporation.com/loyalty for details.) Clients must have completed a trip before they can redeem the discount on a subsequent trip booking. Only one discount can be redeemed per past traveler annually. Discount not available on pre- & post-trip accommodation rates, diving packages, and other selected products. Discount based on availability and applies to the land portion of your trip price only (this excludes taxes, food funds, and internal airfare). Offer is combinable with Promotions, Traveling Again, Book with Friends, and Multiple Trip discounts and up to one Special Deal (such as Military, Birthday, and Teachers & Medical Professional deals). Offer only valid for US residents. Restrictions apply. Contiki reserves the right to withdraw promotional offers at any time.

Your 2023 Tauck journey becomes even more memorable when booked by July 31, 2022 – enjoy one extra night, before or after, at Tauck's selected hotel. On all 2023 land journeys and cruises, we've made a number of hotel rooms available the night before they begin or the night after they end – rooms are based upon availability, so booking early by July 31, 2022 is truly an advantage. Gift of Time is for past Tauck guests only; deposit must be paid at time of booking, and certain other restrictions apply (ask for details at time of booking). Please note – Tauck journey and hotel must be booked by July 31, 2022 – Gift of Time is not available after that date and is strictly valid for bookings made January 1, 2022 – July 31, 2022. 

Uniworld Boutique River Cruise past guests unlock special offers on select trips and departures when you travel again with Uniworld or have previously traveled with one of TTC sister brands.

River Heritage Club savings and amenities are available to guests after completing their first Uniworld cruise. Exclusive savings are based on the cruise or cruise/tour-only price (including any upgrades and single supplement) after other cash discounts are applied. Savings are combinable with all current Uniworld promotions. Restrictions may apply.

Book another Viking cruise within one year and you'll save $200 per person when you book within one year of your return. Book within two years and save $100 per person.

Viking Explorer Society Travel Credits may not be combinable with some promotions. Please check offer details or ask your AAA travel agent for more information.

Visit AAA.com/WelcomeHome for terms and conditions and to see how you can use your gift card.

Railbookers

Book Railbookers again and get a $100 booking bounce back offer to use towards a future booking of three cities or more on independent Rail Journies. Combinable with other published offers.

$100 coupon valid for future travel towards any 3 cities stay Independent Rail Journey with Railbookers. Travel is subject to availability and blackout dates may apply. Prize is non-transferable and not redeemable for cash. Items not specifically listed as included and any taxes associated with those items are the responsibility of the traveler. Rail from your hometown is not included in the package. Coupon Expires 1 year from original booking travel date. Other restrictions may apply. Visit or call your local AAA office to redeem.

Book VBT again within the same calendar year and get a 5% frequent traveler credit of your last tour or get a 2.5% credit if rebooked by December 31 of the following year. Credit is based on land portion only.

Frequent Traveler Credits are calculated on the cost of your trip excluding any Business Class or Premium Class Upgrades.

Country Walkers

Book Country Walkers again within the same calendar year and get a 5% frequent traveler credit of your last tour or get a 2.5% credit if rebooked by December 31 of the following year. Creidt is based on land portion only.

5% Frequent Traveler Credit equal to 5% of the value of your last tour. The benefit will be available from the moment you return from tour and will expire on December 31st of the calendar year following travel. The credit equal to 2.5 % of the value of your last tour available until December 31st of the calendar year two years after you travel.

Rebooking Benefits

Get even MORE when you rebook onboard. Get amenities like reduced deposits, shipboard credits or the best stateroom selection when you book a future cruise while you're onboard your current cruise.

Cruise Rebooking Benefits

• Reduced Deposits
• Shipboard Credits
• Best Stateroom Selection

You don't have to set the exact date now Many cruise lines provide special offers without a specific date or itinerary

Visit the Future Cruise Consultant Onboard to learn more about potential savings and values**

*Onboard Rebooking offer is redeemable on travel booked through AAA ACA up to 1 year from Welcome Home reward issuance date on a new cruise booking of $1,000 or more per person when traveling with a AAA ACA preferred supplier. Please reference promo code WELCx2. This offer cannot be combined with other AAA ACA offers; but this offer can be combined with preferred supplier offers available at the time of booking. Other terms and conditions may apply to preferred supplier offers. See your AAA travel agent for details. AAA ACA is not responsible for any errors or omissions.

**Offers vary by cruise line, ship, and sailing dates. Not every ship will have an onboard cruise consultant.

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

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*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

How Much Does Travel Insurance Cost?

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• The average travel insurance premium this week is $293.94, about the same as last week.
• For travel in the United States, the average premium is $91 to $410.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $293.94
• Average trip cost: $6,853.10
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

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