aa travel insurance ireland reviews

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Reviews 3.6.

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Have to give credit to Derek

Have to give credit to Derek, who is very helpful and responsible in March. He helped me jumpstart my car, which has been parked nearly 2 weeks in a shopping center, and did a test drive afterwards, Derek tested my battery making sure it’s a good condition before he went. He also offered to follow me to my garage. I am very happy with the assistance I have received.

Date of experience : 13 March 2024

Absolutely shocking service …

Absolutely shocking service once you’ve signed up to them! 1. €25 to transfer your policy to another car temporarily 2. Do not send you receipts or tell you if you need one you need to request it at that time 3. Do not inform you of their complaints process even when asked 4. Over 2 hours on hold to customer service at any time! Even sometimes when trying to change the insurance back onto my own car 5. Do not reply to emails 6. Give you incorrect No claims discount certificate (5 years instead of 16)

Date of experience : 25 March 2024

Just don't bother

I had a disappointing experience with an insurance quote that was far from straightforward. Two days ago, I obtained an online quote that was guaranteed for 7 days. However, when an agent contacted me today, the price quoted was significantly higher than the original—and even exceeded what I'm currently paying with another company. The agent claimed that my details had changed, but upon checking, everything was consistent with my initial submission. When I mentioned possibly proceeding with the original online quote, the agent insisted the system would block it, even telling me they would cancel the policy if I attempted to make the purchase, leaving me without insurance. This claim was contradicted by my ability to access the payment page for the original quote. To add to the confusion, today I received an email with a second quote matching the first, alongside a prompt offering an even better deal if I contacted customer service again. This barrage of contradictory information has been nothing short of a waste of my time. The threat of canceling a newly purchased policy without a valid reason was shocking, and the excuse given for the mishap—system issues and that the agent I initially spoke with was new and inexperienced—reflects poorly on the company's professionalism. Despite all this, they still asked if I wished to proceed with the new policy. It's been an utterly frustrating and time-consuming ordeal.

Date of experience : 04 April 2024

Best experience.

I had a great experience with Charley who helped me get to understanding of my renewal policy, how to set up my membership for the new year, got me a great price for my insurance. She was beyond helpful I asked her to give me a call back the following two weeks once I had thought about my renewal policy and then the following week to help me pay my insurance I couldn’t recommend her anymore. She is very helpful, kind and understanding. Great person and wonderful at her job.

Date of experience : 07 March 2024

I’m fully disappointed with the AA…

I’m fully disappointed with the AA Ireland yesterday 02/04/2024 I launched a recovery through the AA aap at 1.05 as my Taxis battery flat and I waited 3 hours and made a phone call to the AA centre and the lady I informed her I have an suitability appointment at 4 and I need to start my car and she told me that I can’t do anything as ur car is Home start and the priority is for the road recovery and the recovery never got waited 4 hours and I had to call my friend and luckily he had the battery charger and he made it and I could complete my suitability Test on time if I had to wait for the AA definitely I would have lost my appointment. What kind of recovery service AA giving. This kind of bad experience from AA I’m having for the second time I’m a AA member since 2021 and only 2 times I had to call them for the recovery and I had to wait long time to get the Recovery. I would never recommend a Friend if they continue doing like this I’m just sharing my bad experience.

Date of experience : 02 April 2024

I’ve seen another customer here saying…

I’ve seen another customer here saying they have had a nightmare getting their insurance disc issued. Same story here, constant back and forth. I’ve payed deposit, am ready to be debited my first months insurance and nothing over a small paperwork mistake. The service is awful. Well there is no service. I regret signing up with this company..look at the reviews..41% here are 1 star. Not a lot of in between…seems a luck of the draw type scenario. I’m disgusted with this company and how they treat customers. I fear I’m going to have to go find another company. Absolutely disgusting, appalling treatment beginning to end. They don’t even have an online portal to upload documents, their chat help times out and it’s a waste of time emailing them as you get copy and paste responses. Good luck with getting a callback or getting through to anyone competent. Shambolic.

Great service from Kieren

Broke down late last night on the M8 northbound 6k before the toll plaza, called my insurance breakdown assist, got called back but Kieren from Mitchelstown minutes later and he was there in 20 minutes , went above and beyond to do a short term repair , spoke to my mechanic and followed me until my own mechanic arrived. Top class man, took the stress out of situation

Date of experience : 25 January 2024

Left me stranded to sleep in my cold…

Left me stranded to sleep in my cold car after transporting me in the opposite direction and dropping me off in a empty car park to pick up hire car that wasn’t there in the first place

Date of experience : 21 March 2024

AA Breakdown Rescue Plus with No rescue available in Drogheda

I had a blowout tyre in Drogheda 1.19am and asked for assistance on app then called and was told that app will confirm in a few minutes.Then App cancelled my request I called back and your customer service agent said nobody available till morning!!!!!.It was lashing rain and i flagged a passing motorist to get help and he had a carjack and helped me.I was due to renew on April 1st in which i was going to as I thought Good to have the AA but obviousy not, as its not fit for purpose.You have to takenote as I see other complaints on this facebook not only me .I now wont definatly renew as 212 euro would be a waste of time and RESCUE PLUS means nothing I was stranded......

Absolute disgrace of a company

Absolute disgrace of a company. Constantly letting customers down because of budget. Totally focused on money and that’s all. Managers are incompetent and untrained. Used be a great brand but now just sold to the highest bidder and milked to death. All standards dropped and it’s commonplace for people to be left overnight on motorways broken down. A shambles from tip to toe

Date of experience : 23 November 2023

Call for a tow, car dead since 25th Dec

Call for a tow, Christy the AA mechanic came and succeeded where his colleague on 29th FAILED. HE ASSESSED AND GOT MY CAR JUMP STARTED, was dead battery since 25th Dec. He was brilliant, so professional, courteous n kind. Well Done. A credit to the service

Date of experience : 02 January 2024

Great Customer Service

I had a few queries about an online quote so I phoned AA and spoke with Katie. She was very patient while I went through my list of queries before she answered all of them in detail, explaining all the options available to me in very clear and simple language. It was an absolute pleasure to deal with Katie-she made the whole process of buying my new insurance policy as hassle free as possible

Date of experience : 26 September 2023

Reply from The AA Ireland

Thanks for the great review Cat!

Unfortunately had to use AA rescue…

Unfortunately had to use AA rescue twice in the last month. Probably had 2 wait 1 and half hours both times for assistance, but giving 5 stars for the 2 lads that helped me. Their customer service was excellent... Explained everything that was going on and 2nd time I had to be recovered home. Highly recommend

Date of experience : 26 October 2023

Weekend AA call out, Cristian

CRISTIAN was the AA call out guy. Was bit of a wait, as expected on a Saturday but he was polite and super efficient when he did arrive. Went above and beyond the call of duty I suspect. Hugely appreciated his helpful and friendly attitude. Thanks Cristian.

Date of experience : 21 October 2023

AA car insurance.

Got call back from Sib (apologies on the spelling) after looking for online quote. Was very polite and informative. Discussed my option including discount for policy if I added AA Membership went through all the figures but wasn’t pushy in making me take membership. Purchased policy for the year. A+ customer service.

Date of experience : 05 October 2023

My wife unfortunately got a serious…

My wife unfortunately got a serious puncture on the way to Cork last Wednesday 20.9.23. We required the assistance of the AA and when the man arrived he was extremely helpful. His name was Cíaron (I might have spelt his name incorrectly) and he was amazing and he went completely above and beyond the call of duty for me. It was a terrible evening for weather and he was so helpful I can't praise him enough. Christopher and Mary Hayes

Date of experience : 20 September 2023

Thanks for the great review Christopher & Mary!

5 star service

Fast, efficient, friendly, professional service Many many thanks to Stephen. He came quickly, worked in the rain and had me back on the road in no time. (

Date of experience : 15 February 2024

This company and more to the point

This company and more to the point, the representative Sophie who I spoke with go the extra mile with explanitives to really reassure you. No question I asked was any trouble at all. In all I was dealt with by the above named person who really did make sure I understood and was happy with the product I purchased. Highly recommended to all.

Date of experience : 13 September 2023

Thank you for the great review Anthony!

Great service

Called AA to get a car insurance quote and was so pleased with the level of cover and premium that I paid straight away. The call agent Sib was very friendly and pleasant to deal with and made the whole experience super easy and completely stress free. He took the time to explain everything in detail and nothing was too much trouble.

Date of experience : 03 October 2023

The online experience was awful

The online experience was awful. Nobody replied at all for a full month. Like actually disgraceful, so I decided to call, but Rosie was absolutely amazing and patient even though I didn’t have a clue what I was doing. She followed up with me twice, whereas online nobody ever emailed back. If your online responses were a quarter as helpful as she was you guys would be flying. The 5 stars are for Rosie if i was rating AAs email service i would give 0 :)

Date of experience : 07 September 2023

Hi Meadbh, We are experiencing a high volume of emails at the moment. We are glad to see you had a good experience with our phone team thank you for the review.

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Annual Travel Insurance from AA Ireland

Aa travel insurance features and benefits, annual multi trip.

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

Choosing Your Travel Insurance

We hope your holiday goes to plan but take out a travel insurance policy with us so we can be there if something does go wrong.

Our holiday insurance covers everything from lost luggage to treatment for accident or injury. No matter how often or how long you plan to be away, we have the cover for you.

Multi-trip Travel Insurance

If you’re one of those lucky people planning more than one trip in the next year, we’re very jealous, but we should also let you know that AA Annual Travel Insurance is the best option. It covers you before, during and after your holiday.

Single Trip Travel Insurance

If you’re only planning one trip this year, our Single Trip Travel Insurance is specifically tailored for any one trip, up to 60 days in length.

Backpacker Travel Insurance

Whether you’re planning a gap year or just some time to get away from it all, our Backpacker Travel Insurance is specifically tailored to cover trips up to 365 days in length.

Compare Holiday Insurance Cover

AA offers three levels of cover; Value, Essential and Extra. If you’re looking for cheap holiday insurance covering just the basics then our Value Travel Insurance is for you. Our Essential Travel Insurance has all the basics but with a higher level of cover, while the Extra Travel Insurance provides our most comprehensive cover.

We’ve got you covered. We’ve done up a comparison of each of our policies here .

AA Members get more

We take particular pride in looking after our AA Members. That’s why AA Members get extra benefits when they buy an AA Extra Travel Insurance Policy. If you’re an AA Member at the time you take out Annual Travel Insurance, as well as the usual benefits, you can enjoy unlimited medical cover and no excess on any claim.

Whether you’re hitting the Blue Run or braving the Black Run, it’s important to make sure you have AA Winter Sports Cover on your Essential or Extra Travel Insurance policy. As well as the great benefits of AA Travel Insurance, adding Winter Sports covers you for things like your ski pass, lessons and equipment.

Make sure to add it to your Travel Insurance policy when you get a quote.

European Breakdown Cover

Imagine the panic when you’re driving through the French countryside, with the kids in the back and a boot full of luggage and the car dies. You can always rely on the AA to help you out, just make sure you’re covered.

With AA European Breakdown Cover, local garages across our European road network will be on standby should you experience any bumps on the road.

Car Hire Excess Cover

When you rent a car, it usually includes insurance but it’s worth noting that if the car is damaged or stolen an excess would still need to be paid. Reducing this excess will add a considerable cost to your car rental and can often come as a surprise when you get to the rental desk. For a small price, AA Car Hire Excess can be included in your AA Travel Insurance policy and will cover your excess costs in the event of a claim.

Making a Claim

Hopefully your holiday will go by without a hitch but if you need us we’re always here. To make a claim simply call claims assistance on 01 431 1204 from Ireland or +353 143 11204 if you are outside of Ireland, and quote AA Travel Insurance. Our claims team is available 24 hours a day, 365 days a year. To find out more about claims and what you should do in the event of an accident click on the link below.

Policy Booklets

Who doesn’t love reading about insurance? If you’re looking for more information, this is where you’ll find a list of all AA Travel Insurance policy booklets.

Travel Insurance Cover Summary

Not interested in reading all the policy booklets? This is where you will find a chart summarising what our policies cover and the benefits of AA Travel Insurance.

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Get a travel insurance quote from The AA

All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

• Buying travel insurance in Ireland
• What the European Health Insurance Card covers
• Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

• Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
• Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
• Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
• Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
• Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
• Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

• Winter sports, e.g. skiing and snowboarding
• Extreme sports, e.g. scuba diving or paragliding
• Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

• Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
• Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
• Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
• Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
• Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
• Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

• How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
• What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
• Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

• your destination
• your medical history
• whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

• Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
• The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
• Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
• The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

• If you hold private medical insurance that covers trips abroad
• If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

• Free or reduced cost state healthcare in any of the EU and EEA countries
• Pre-existing medical conditions
• Routine maternity care - as long as you’re not going there to give birth
• A temporary stay up to three months*

Not covered

• Private healthcare or costs for something like mountain rescue
• Ongoing or permanent healthcare
• Medical expenses, if your reason for going abroad is to have treatment
• The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

• In person: at any local health office except Dublin North West. Check what ID to take.
• By post: Print out an application form and post it to your local health office along with any documents required.
• Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

• unexpected death, illness or injury involving you, your partner or fellow travellers
• unexpected damage to your home, such as fire, flood or burglary
• you’ve been advised not to travel due to pregnancy (after you bought insurance)
• you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

• In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
• If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
• If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

• A replacement holiday of equal or superior quality
• A lower quality holiday, plus a refund for the difference between the two trips
• A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

• Transport costs e.g. fuel prices
• Taxes, fees and duties charged at airports or ports
• Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

• Given all the essential information from the retailer or trader before the booking is completed.
• Able to contact the organiser directly and through the retailer you bought the package from (if different).
• Entitled to a full refund and repatriation if the trader becomes insolvent.
• Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
• Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
• Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

• The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
• ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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Have to give credit to Derek

Have to give credit to Derek, who is very helpful and responsible in March. He helped me jumpstart my car, which has been parked nearly 2 weeks in a shopping center, and did a test drive afterwards, Derek tested my battery making sure it’s a good condition before he went. He also offered to follow me to my garage. I am very happy with the assistance I have received.

Date of experience : March 13, 2024

Absolutely shocking service …

Absolutely shocking service once you’ve signed up to them! 1. €25 to transfer your policy to another car temporarily 2. Do not send you receipts or tell you if you need one you need to request it at that time 3. Do not inform you of their complaints process even when asked 4. Over 2 hours on hold to customer service at any time! Even sometimes when trying to change the insurance back onto my own car 5. Do not reply to emails 6. Give you incorrect No claims discount certificate (5 years instead of 16)

Date of experience : March 25, 2024

Just don't bother

I had a disappointing experience with an insurance quote that was far from straightforward. Two days ago, I obtained an online quote that was guaranteed for 7 days. However, when an agent contacted me today, the price quoted was significantly higher than the original—and even exceeded what I'm currently paying with another company. The agent claimed that my details had changed, but upon checking, everything was consistent with my initial submission. When I mentioned possibly proceeding with the original online quote, the agent insisted the system would block it, even telling me they would cancel the policy if I attempted to make the purchase, leaving me without insurance. This claim was contradicted by my ability to access the payment page for the original quote. To add to the confusion, today I received an email with a second quote matching the first, alongside a prompt offering an even better deal if I contacted customer service again. This barrage of contradictory information has been nothing short of a waste of my time. The threat of canceling a newly purchased policy without a valid reason was shocking, and the excuse given for the mishap—system issues and that the agent I initially spoke with was new and inexperienced—reflects poorly on the company's professionalism. Despite all this, they still asked if I wished to proceed with the new policy. It's been an utterly frustrating and time-consuming ordeal.

Date of experience : April 04, 2024

Best experience.

I had a great experience with Charley who helped me get to understanding of my renewal policy, how to set up my membership for the new year, got me a great price for my insurance. She was beyond helpful I asked her to give me a call back the following two weeks once I had thought about my renewal policy and then the following week to help me pay my insurance I couldn’t recommend her anymore. She is very helpful, kind and understanding. Great person and wonderful at her job.

Date of experience : March 07, 2024

I’m fully disappointed with the AA…

I’m fully disappointed with the AA Ireland yesterday 02/04/2024 I launched a recovery through the AA aap at 1.05 as my Taxis battery flat and I waited 3 hours and made a phone call to the AA centre and the lady I informed her I have an suitability appointment at 4 and I need to start my car and she told me that I can’t do anything as ur car is Home start and the priority is for the road recovery and the recovery never got waited 4 hours and I had to call my friend and luckily he had the battery charger and he made it and I could complete my suitability Test on time if I had to wait for the AA definitely I would have lost my appointment. What kind of recovery service AA giving. This kind of bad experience from AA I’m having for the second time I’m a AA member since 2021 and only 2 times I had to call them for the recovery and I had to wait long time to get the Recovery. I would never recommend a Friend if they continue doing like this I’m just sharing my bad experience.

Date of experience : April 02, 2024

I’ve seen another customer here saying…

I’ve seen another customer here saying they have had a nightmare getting their insurance disc issued. Same story here, constant back and forth. I’ve payed deposit, am ready to be debited my first months insurance and nothing over a small paperwork mistake. The service is awful. Well there is no service. I regret signing up with this company..look at the reviews..41% here are 1 star. Not a lot of in between…seems a luck of the draw type scenario. I’m disgusted with this company and how they treat customers. I fear I’m going to have to go find another company. Absolutely disgusting, appalling treatment beginning to end. They don’t even have an online portal to upload documents, their chat help times out and it’s a waste of time emailing them as you get copy and paste responses. Good luck with getting a callback or getting through to anyone competent. Shambolic.

Great service from Kieren

Broke down late last night on the M8 northbound 6k before the toll plaza, called my insurance breakdown assist, got called back but Kieren from Mitchelstown minutes later and he was there in 20 minutes , went above and beyond to do a short term repair , spoke to my mechanic and followed me until my own mechanic arrived. Top class man, took the stress out of situation

Date of experience : January 25, 2024

Left me stranded to sleep in my cold…

Left me stranded to sleep in my cold car after transporting me in the opposite direction and dropping me off in a empty car park to pick up hire car that wasn’t there in the first place

Date of experience : March 21, 2024

AA Breakdown Rescue Plus with No rescue available in Drogheda

I had a blowout tyre in Drogheda 1.19am and asked for assistance on app then called and was told that app will confirm in a few minutes.Then App cancelled my request I called back and your customer service agent said nobody available till morning!!!!!.It was lashing rain and i flagged a passing motorist to get help and he had a carjack and helped me.I was due to renew on April 1st in which i was going to as I thought Good to have the AA but obviousy not, as its not fit for purpose.You have to takenote as I see other complaints on this facebook not only me .I now wont definatly renew as 212 euro would be a waste of time and RESCUE PLUS means nothing I was stranded......

Absolute disgrace of a company

Absolute disgrace of a company. Constantly letting customers down because of budget. Totally focused on money and that’s all. Managers are incompetent and untrained. Used be a great brand but now just sold to the highest bidder and milked to death. All standards dropped and it’s commonplace for people to be left overnight on motorways broken down. A shambles from tip to toe

Date of experience : November 23, 2023

Call for a tow, car dead since 25th Dec

Call for a tow, Christy the AA mechanic came and succeeded where his colleague on 29th FAILED. HE ASSESSED AND GOT MY CAR JUMP STARTED, was dead battery since 25th Dec. He was brilliant, so professional, courteous n kind. Well Done. A credit to the service

Date of experience : January 02, 2024

Great Customer Service

I had a few queries about an online quote so I phoned AA and spoke with Katie. She was very patient while I went through my list of queries before she answered all of them in detail, explaining all the options available to me in very clear and simple language. It was an absolute pleasure to deal with Katie-she made the whole process of buying my new insurance policy as hassle free as possible

Date of experience : September 26, 2023

Reply from The AA Ireland

Thanks for the great review Cat!

Unfortunately had to use AA rescue…

Unfortunately had to use AA rescue twice in the last month. Probably had 2 wait 1 and half hours both times for assistance, but giving 5 stars for the 2 lads that helped me. Their customer service was excellent... Explained everything that was going on and 2nd time I had to be recovered home. Highly recommend

Date of experience : October 26, 2023

Weekend AA call out, Cristian

CRISTIAN was the AA call out guy. Was bit of a wait, as expected on a Saturday but he was polite and super efficient when he did arrive. Went above and beyond the call of duty I suspect. Hugely appreciated his helpful and friendly attitude. Thanks Cristian.

Date of experience : October 21, 2023

AA car insurance.

Got call back from Sib (apologies on the spelling) after looking for online quote. Was very polite and informative. Discussed my option including discount for policy if I added AA Membership went through all the figures but wasn’t pushy in making me take membership. Purchased policy for the year. A+ customer service.

Date of experience : October 05, 2023

My wife unfortunately got a serious…

My wife unfortunately got a serious puncture on the way to Cork last Wednesday 20.9.23. We required the assistance of the AA and when the man arrived he was extremely helpful. His name was Cíaron (I might have spelt his name incorrectly) and he was amazing and he went completely above and beyond the call of duty for me. It was a terrible evening for weather and he was so helpful I can't praise him enough. Christopher and Mary Hayes

Date of experience : September 20, 2023

Thanks for the great review Christopher & Mary!

5 star service

Fast, efficient, friendly, professional service Many many thanks to Stephen. He came quickly, worked in the rain and had me back on the road in no time. (

Date of experience : February 15, 2024

This company and more to the point

This company and more to the point, the representative Sophie who I spoke with go the extra mile with explanitives to really reassure you. No question I asked was any trouble at all. In all I was dealt with by the above named person who really did make sure I understood and was happy with the product I purchased. Highly recommended to all.

Date of experience : September 13, 2023

Thank you for the great review Anthony!

Great service

Called AA to get a car insurance quote and was so pleased with the level of cover and premium that I paid straight away. The call agent Sib was very friendly and pleasant to deal with and made the whole experience super easy and completely stress free. He took the time to explain everything in detail and nothing was too much trouble.

Date of experience : October 03, 2023

The online experience was awful

The online experience was awful. Nobody replied at all for a full month. Like actually disgraceful, so I decided to call, but Rosie was absolutely amazing and patient even though I didn’t have a clue what I was doing. She followed up with me twice, whereas online nobody ever emailed back. If your online responses were a quarter as helpful as she was you guys would be flying. The 5 stars are for Rosie if i was rating AAs email service i would give 0 :)

Date of experience : September 07, 2023

Hi Meadbh, We are experiencing a high volume of emails at the moment. We are glad to see you had a good experience with our phone team thank you for the review.

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Multitrip.com vs. The AA

Affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

Compare Multitrip Travel Insurance

Are you looking for low cost travel insurance with comprehensive cover? To help you out, we have compared our cover against some of the main holiday insurance providers in Ireland. Find out more details on the benefits* of Multitrip.com Premier Plus in comparison to The AA Annual Multi Trip Travel Insurance on the table below. Also, don't forget to check how Multitrip.com compares against The VHI and Laya .

Why Choose Multitrip.com?

No matter what holiday or trip you have planned abroad, we will help you to stay protected. Whether it's a single trip to Europe, a backpacker trip to Asia, or multiple trips around the world each year, you can rest assured that we have a Travel Insurance policy to suit your needs.

Multitrip cover from just €19.95

We are the only insurance provider offering 2 year multitrip travel insurance in Ireland.

Optional Travel Disruption Cover

You can opt to choose additional travel disruption cover to protect your trip against such things like adverse weather conditions.

Get instant online Travel Insurance Cover

Our booking process can be completed in just four easy steps.

Kids Go Free

Kids Go Free on Annual Family Policies

Premier Plus Policy Extras

Our Premier Plus policy automatically includes Excess Waiver and Winter Sports cover*

Local Claims Adjuster in Ireland

In the event you need to make a claim you will be dealing with a claims adjuster based in Ireland

Super Competitive Prices

In addition to affordable Travel Insurance , Multitrip.com provides up to three levels of cover and a full range of discounts and benefits.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Award Winning Travel Insurance Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards and Deloitte's Best Managed Companies Award.

Expert Friendly Customer Service

Our Customer Service team can be reached via phone, email and social media. FAQs also available.

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AAA Travel Insurance Review 2024: Is it Worth the Cost?

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Table of Contents

What does AAA travel insurance cover?

Aaa single-trip plans, aaa annual plans, which aaa travel insurance plan is best for me, can you buy aaa travel insurance online, what isn’t covered by aaa travel insurance, aaa travel insurance, recapped.

• You don't need to be an AAA member.
• Annual or single-trip policies are available.
• Can add on a Rental Car Damage protector plan.
• Cheapest option doesn't include medical coverage.
• CFAR upgrade is only available for higher-cost plans.

Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance.

The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

» Learn more: The majority of Americans plan to travel in 2022

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans.

* Higher limit requires receipts to be submitted.

AAA single-trip plans cost

The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

The Basic Plan ($111) includes all the features of the Essential Plan, along with medical coverage and some increased protections for baggage and travel delays.

The Classic ($140) and Premier Plans ($174) are nearly identical, but the latter provides double emergency medical coverage, emergency transportation, trip delay and baggage delay limits.

The Classic Plan offers a "cancel for any reason" optional upgrade for $71, which would bring the total to $211.

There is also a Rental Car Damage protector plan for $135, which provides $1,000 of trip interruption and baggage loss coverage and $40,000 of rental car damage and theft benefits. This plan will cover your costs if the rental car is stolen or damaged. In addition, you’ll be reimbursed for the unused portion of your trip and if your bags are lost or damaged. This plan offers an alternative to purchasing coverage at the rental counter.

» Learn More: Cancel For Any Reason (CFAR) travel insurance explained

The annual policies provide 365 days of domestic and international coverage and are best suited for those who travel often. To see which plans are available, we input a $15,000 annual travel budget for coverage starting in July 2020 for a 30-year-old from New Hampshire. For this itinerary, AAA is offering four policies, with the three higher-end plans geared toward business travelers.

AAA annual plans cost

The Annual Deluxe Plan ($275) is designed for those who aren’t too concerned with pre-trip cancellation benefits or business equipment protections and are more interested in medical coverage while abroad. If you already have some travel insurance through a credit card, this plan may be sufficient.

The next three Annual Executive Plans ($500-$785) are tiered based on the amount of trip cancellation and interruption coverage provided ($5,000, $7,500 or $10,000). All the other protections under the Executive Plans are identical. All three plans include business equipment coverage as well as business equipment rental and delay protections. If you’re traveling for work, these plans may be your best bet.

Although all four of these are annual plans, no individual trip can exceed 45 days. For trips longer than 45 days, Allianz offers an AllTrips Premier plan , which provides coverage for up to 90 days per trip.

» Learn more: What to know before buying travel insurance

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling.

If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals.

If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Yes, you can buy AAA Travel Insurance onlince. Head over to Agentmaxonline.com , input your trip details and choose “Get Quote” to see a list of available plans.

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

» Learn more: Will travel insurance cover winter weather woes?

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.

The cost of a travel insurance policy depends on many factors , including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it .

The cost of a travel insurance policy

depends on many factors

, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit

AAA’s travel insurance site

and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if

travel insurance is worth it

AAA was found to be one of the best travel insurance companies according to NerdWallet's most recent analysis.

Before shopping for a policy, check to see what coverage you may already have. Some premium credit cards provide travel insurance. If you hold one of these credit cards and the coverage limits are adequate, you may only need a standalone emergency medical insurance policy . However, if your credit card doesn’t cover you sufficiently, a comprehensive travel insurance plan might be the right choice. AAA offers a few plans to pick from, but the choices boil down to annual or single-trip insurance plans.

No matter what type of traveler you are, AAA offers various trip insurance options to choose from. Rates and options vary by state, so be sure to input your information into the online tool.

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 Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent 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 $900 toward travel when you redeem through Chase Travel℠.

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℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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*Online discount applies to new motor insurance policies purchased online only. Maximum discount value of €250 incl. fee & commission write off applies. Offer is based on a single upfront annual payment which equates to cover from just €6 a week. Subject to a minimum premium of €306.02. Price is based on a 51-year-old driving a 2013 Volkswagen Golf 1.4 Litre with Comprehensive Cover, Full bonus protection, living in Dublin 8 with a full Irish licence & full no claims bonus and an insured spouse as at August 2023.

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I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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The AA Ireland   Reviews

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Reviews 3.6.

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Have to give credit to Derek

Have to give credit to Derek, who is very helpful and responsible in March. He helped me jumpstart my car, which has been parked nearly 2 weeks in a shopping center, and did a test drive afterwards, Derek tested my battery making sure it’s a good condition before he went. He also offered to follow me to my garage. I am very happy with the assistance I have received.

Date of experience : 13 March 2024

Absolutely shocking service …

Absolutely shocking service once you’ve signed up to them! 1. €25 to transfer your policy to another car temporarily 2. Do not send you receipts or tell you if you need one you need to request it at that time 3. Do not inform you of their complaints process even when asked 4. Over 2 hours on hold to customer service at any time! Even sometimes when trying to change the insurance back onto my own car 5. Do not reply to emails 6. Give you incorrect No claims discount certificate (5 years instead of 16)

Date of experience : 25 March 2024

Just don't bother

I had a disappointing experience with an insurance quote that was far from straightforward. Two days ago, I obtained an online quote that was guaranteed for 7 days. However, when an agent contacted me today, the price quoted was significantly higher than the original—and even exceeded what I'm currently paying with another company. The agent claimed that my details had changed, but upon checking, everything was consistent with my initial submission. When I mentioned possibly proceeding with the original online quote, the agent insisted the system would block it, even telling me they would cancel the policy if I attempted to make the purchase, leaving me without insurance. This claim was contradicted by my ability to access the payment page for the original quote. To add to the confusion, today I received an email with a second quote matching the first, alongside a prompt offering an even better deal if I contacted customer service again. This barrage of contradictory information has been nothing short of a waste of my time. The threat of canceling a newly purchased policy without a valid reason was shocking, and the excuse given for the mishap—system issues and that the agent I initially spoke with was new and inexperienced—reflects poorly on the company's professionalism. Despite all this, they still asked if I wished to proceed with the new policy. It's been an utterly frustrating and time-consuming ordeal.

Date of experience : 04 April 2024

Best experience.

I had a great experience with Charley who helped me get to understanding of my renewal policy, how to set up my membership for the new year, got me a great price for my insurance. She was beyond helpful I asked her to give me a call back the following two weeks once I had thought about my renewal policy and then the following week to help me pay my insurance I couldn’t recommend her anymore. She is very helpful, kind and understanding. Great person and wonderful at her job.

Date of experience : 07 March 2024

I’m fully disappointed with the AA…

I’m fully disappointed with the AA Ireland yesterday 02/04/2024 I launched a recovery through the AA aap at 1.05 as my Taxis battery flat and I waited 3 hours and made a phone call to the AA centre and the lady I informed her I have an suitability appointment at 4 and I need to start my car and she told me that I can’t do anything as ur car is Home start and the priority is for the road recovery and the recovery never got waited 4 hours and I had to call my friend and luckily he had the battery charger and he made it and I could complete my suitability Test on time if I had to wait for the AA definitely I would have lost my appointment. What kind of recovery service AA giving. This kind of bad experience from AA I’m having for the second time I’m a AA member since 2021 and only 2 times I had to call them for the recovery and I had to wait long time to get the Recovery. I would never recommend a Friend if they continue doing like this I’m just sharing my bad experience.

Date of experience : 02 April 2024

I’ve seen another customer here saying…

I’ve seen another customer here saying they have had a nightmare getting their insurance disc issued. Same story here, constant back and forth. I’ve payed deposit, am ready to be debited my first months insurance and nothing over a small paperwork mistake. The service is awful. Well there is no service. I regret signing up with this company..look at the reviews..41% here are 1 star. Not a lot of in between…seems a luck of the draw type scenario. I’m disgusted with this company and how they treat customers. I fear I’m going to have to go find another company. Absolutely disgusting, appalling treatment beginning to end. They don’t even have an online portal to upload documents, their chat help times out and it’s a waste of time emailing them as you get copy and paste responses. Good luck with getting a callback or getting through to anyone competent. Shambolic.

Great service from Kieren

Broke down late last night on the M8 northbound 6k before the toll plaza, called my insurance breakdown assist, got called back but Kieren from Mitchelstown minutes later and he was there in 20 minutes , went above and beyond to do a short term repair , spoke to my mechanic and followed me until my own mechanic arrived. Top class man, took the stress out of situation

Date of experience : 25 January 2024

Left me stranded to sleep in my cold…

Left me stranded to sleep in my cold car after transporting me in the opposite direction and dropping me off in a empty car park to pick up hire car that wasn’t there in the first place

Date of experience : 21 March 2024

AA Breakdown Rescue Plus with No rescue available in Drogheda

I had a blowout tyre in Drogheda 1.19am and asked for assistance on app then called and was told that app will confirm in a few minutes.Then App cancelled my request I called back and your customer service agent said nobody available till morning!!!!!.It was lashing rain and i flagged a passing motorist to get help and he had a carjack and helped me.I was due to renew on April 1st in which i was going to as I thought Good to have the AA but obviousy not, as its not fit for purpose.You have to takenote as I see other complaints on this facebook not only me .I now wont definatly renew as 212 euro would be a waste of time and RESCUE PLUS means nothing I was stranded......

Absolute disgrace of a company

Absolute disgrace of a company. Constantly letting customers down because of budget. Totally focused on money and that’s all. Managers are incompetent and untrained. Used be a great brand but now just sold to the highest bidder and milked to death. All standards dropped and it’s commonplace for people to be left overnight on motorways broken down. A shambles from tip to toe

Date of experience : 23 November 2023

Call for a tow, car dead since 25th Dec

Call for a tow, Christy the AA mechanic came and succeeded where his colleague on 29th FAILED. HE ASSESSED AND GOT MY CAR JUMP STARTED, was dead battery since 25th Dec. He was brilliant, so professional, courteous n kind. Well Done. A credit to the service

Date of experience : 02 January 2024

Great Customer Service

I had a few queries about an online quote so I phoned AA and spoke with Katie. She was very patient while I went through my list of queries before she answered all of them in detail, explaining all the options available to me in very clear and simple language. It was an absolute pleasure to deal with Katie-she made the whole process of buying my new insurance policy as hassle free as possible

Date of experience : 26 September 2023

Reply from The AA Ireland

Thanks for the great review Cat!

Unfortunately had to use AA rescue…

Unfortunately had to use AA rescue twice in the last month. Probably had 2 wait 1 and half hours both times for assistance, but giving 5 stars for the 2 lads that helped me. Their customer service was excellent... Explained everything that was going on and 2nd time I had to be recovered home. Highly recommend

Date of experience : 26 October 2023

Weekend AA call out, Cristian

CRISTIAN was the AA call out guy. Was bit of a wait, as expected on a Saturday but he was polite and super efficient when he did arrive. Went above and beyond the call of duty I suspect. Hugely appreciated his helpful and friendly attitude. Thanks Cristian.

Date of experience : 21 October 2023

AA car insurance.

Got call back from Sib (apologies on the spelling) after looking for online quote. Was very polite and informative. Discussed my option including discount for policy if I added AA Membership went through all the figures but wasn’t pushy in making me take membership. Purchased policy for the year. A+ customer service.

Date of experience : 05 October 2023

My wife unfortunately got a serious…

My wife unfortunately got a serious puncture on the way to Cork last Wednesday 20.9.23. We required the assistance of the AA and when the man arrived he was extremely helpful. His name was Cíaron (I might have spelt his name incorrectly) and he was amazing and he went completely above and beyond the call of duty for me. It was a terrible evening for weather and he was so helpful I can't praise him enough. Christopher and Mary Hayes

Date of experience : 20 September 2023

Thanks for the great review Christopher & Mary!

5 star service

Fast, efficient, friendly, professional service Many many thanks to Stephen. He came quickly, worked in the rain and had me back on the road in no time. (

Date of experience : 15 February 2024

This company and more to the point

This company and more to the point, the representative Sophie who I spoke with go the extra mile with explanitives to really reassure you. No question I asked was any trouble at all. In all I was dealt with by the above named person who really did make sure I understood and was happy with the product I purchased. Highly recommended to all.

Date of experience : 13 September 2023

Thank you for the great review Anthony!

Great service

Called AA to get a car insurance quote and was so pleased with the level of cover and premium that I paid straight away. The call agent Sib was very friendly and pleasant to deal with and made the whole experience super easy and completely stress free. He took the time to explain everything in detail and nothing was too much trouble.

Date of experience : 03 October 2023

The online experience was awful

The online experience was awful. Nobody replied at all for a full month. Like actually disgraceful, so I decided to call, but Rosie was absolutely amazing and patient even though I didn’t have a clue what I was doing. She followed up with me twice, whereas online nobody ever emailed back. If your online responses were a quarter as helpful as she was you guys would be flying. The 5 stars are for Rosie if i was rating AAs email service i would give 0 :)

Date of experience : 07 September 2023

Hi Meadbh, We are experiencing a high volume of emails at the moment. We are glad to see you had a good experience with our phone team thank you for the review.