allianz travel insurance aaa discount

• Join & Save
• Renew Membership
• Add Members
• Add Free Teen
• Upgrade Membership
• Auto Renew Signup
• Gift Membership
• Renew Gift Membership
• Membership Types & Benefits
• DMV/RMV Services
• Roadside Assistance
• Travel Services
• Loans & Banking
• Insurance Services
• Bicycle Coverage
• View All Benefits
• ID Theft Monitoring
• Motorcycle Coverage
• Driving School
• Defensive Driving Courses
• AAA Everyday Membership

Up to 40% off Theme Parks, Attractions, Movies, and More.

• Buy Tickets

AAA Membership

renew membership

add a member

gift membership

Join: (800) JOIN-AAA / (800) 564-6222

• Car Rentals
• Book a Hotel
• Book a Cruise
• Book a Flight
• Book an Activity
• Manage Reservation
• Maps & Triptik®

Travel Insurance

• Travel Financial Essentials
• International Driving Permit
• Passport Services
• TSA PreCheck®
• Meet with Advisor
• Contact Advisor
• Chat With an Agent

Discover sun, sea, and sand with these caribbean cruise deals. Plus, as a AAA member - get even more!

• Find You Next Cruise

Explore Orlando Parks

Walt Disney World

Universal Orlando

Need help booking? (800) 222-7448

• Auto Insurance
• Motorcycle Insurance
• Boat & RV Insurance
• Collector Car Insurance
• Home & Condo Insurance
• Home Services
• Renters Insurance
• Umbrella Insurance
• Term Life Insurance
• Annuity Products
• Final Expense Coverage
• Free Webinars & Seminars
• Commercial Auto
• General Liability
• Business Owners Policy
• Workers Compensation
• Professional Liability
• Cyber Liability
• File a Claim
• Make a Payment
• Pet Insurance
• Dental Insurance
• Jewelry Insurance
• Special Event
• Travel Medical
• Update Your Policy

Quick Quote

Insurance Sales: (866) 222-7871

Insurance Customer Service: (800) 222-4242

• Tickets & Activities
• Dining Discounts
• Movie Discounts
• Show Discounts
• Sport Discounts
• Attraction Discounts
• All Entertainment Discounts
• Car Insurance
• Maintenance & Repair
• Parts & Accessories
• Auto Repair Discounts
• All Auto Discounts
• Accessory Discounts
• Personal Services
• Electronics Discounts
• Gift Discounts
• All Shopping Discounts
• Vacation Discounts
• Hotel Discounts
• Car Rental Discounts
• All Travel Discounts

Movie Tickets • Broadway Shows • Sporting Events • Concerts • ...and so much more!

Orlando Theme Park Tickets

View all theme parks

• Car Battery Service
• Approved Auto Repair
• Repair Cost Estimator
• Tire & Wheel Protection Program
• Join Service Provider Network
• Rhode Island DMV
• New York DMV
• Public Affairs
• Defensive Driving Course
• John Paul, AAA's Car Doctor®
• Recall Information
• Auto Reviews
• New Technology
• Gas Price Finder
• Auto Buying Program
• Vehicle Protection
• Auto Discounts
• Extended Warranty
• Electric Vehicle Resources

John has evaluated more than 1,000 new cars and was an early adopter of electric vehicles, at one time owning a Renault Lectric Leopard.

• Ask a Question!

Find a AAA Approved Repair Shop

Roadside Assistance: (800) AAA-HELP / (800) 222-4357

• Auto Refinancing
• College Loans
• Refinancing & Consolidation
• Student Loan Webinars
• Meet with a Specialist
• Student FAQ
• Mortgage Loans
• Home Equity Loans
• Reverse Mortgages
• Home Buyer and Reverse Mortgage Webinars
• Mortgage FAQ
• AAA Visa Signature® Credit Cards
• Motorcycle Loans
• Deposit Programs
• Personal Loans
• Small Business Loan
• Tax Filing Discounts

Saving on a new car just got easier with AAA.

Popular Financial Services

AAA Visa® Credit Card

Financial Services: (800) 793-0508

• Connecticut
• Massachusetts
• Rhode Island
• Teen Driving
• Senior Driving
• Bike Safety
• Impaired Driving Prevention
• Slow Down Move Over
• Safety Patrol
• Community Outreach
• News You Can Use
• Distracted Driving
• Media Contacts
• Press Releases

• AAA Defensive Driving Courses

AAA Community

defensive driving

school safety patrol

community outreach

• Locations and Pricing
• Tools & Resources
• Insurance and Auto Loans
• Learner's Permits (MA/NY Only)
• The AAA Difference
• Adult Lessons
• Student Portal Login
• New Driver Resources
• Traffic Safety

Licensed drivers can sharpen their skills and, in some states, save money on auto insurance and reduce license points with our online, virtual or in-person courses.

AAA Driving School

student login

Teen Driver Safety

Driver Training Resources

To speak with a Driving School Representative, call (855) 222-1050

• Join & Save
• Buy Gift Membership
• Vacation Packages
• My Reservations
• Find a Location
• AAA Branch Locations
• Book Travel

    Allianz Travel Insurance

Aaa travel partners with allianz global assistance to offer our members travel insurance..

Trip Protect Deluxe

Doubles nearly all the post-departure coverage of the TripAssist Family Care Plan—including emergency medical and transportation benefits, baggage loss protection, and more.

It also has SmartBenefits TM that can pay you proactively for covered travel delays, and not require receipts for missed port of call and baggage delay claims.  

Trip Protect Cancel Anytime

Gives you the extra flexibility to cancel your trip for almost any unforeseen reason that the TripAssist Family Care plan does not already cover at 100% and receive 80% of your non-refundable trip cost back.

It also includes benefits like trip interruption protection, primary emergency medical benefits, 24-hour travel assistance, and more. Plus, the SmartBenefits TM can pay you proactively for covered travel delays, and not require receipts for missed port of call and baggage delay claims. 

Trip Protect Select

Prepares you for the unexpected with generous levels of protection for domestic and international travel. It’s the ideal travel companion with features like trip cancellation protection, emergency medical benefits, 24-hour emergency assistance, and more.

This plan also includes SmartBenefits TM that can pay you proactively for covered travel delays, and not require receipts for missed port of call and baggage delay claims. Plus, kids 17 and under are free when traveling with a parent or grandparent.**

Your AAA travel advisor can help you choose a travel insurance policy that’s right for you. AAA Travel partners with Allianz Global Assistance to offer members the best travel insurance possible.

Outsmart Travel Mishaps with Allianz Global Assistance

New SmartBenefits™ Protect Your Trip with More Benefits and Fewer Obstacles

Imagine this: your connecting flight has been delayed again. As you flip through your magazine for the third time, a notification pops up on your smartphone. You take a closer look. It’s a message from Allianz Global Assistance, asking how you’d prefer to receive $100 for your covered travel delay. Aside from flipping through your magazine, you haven’t lifted a finger. 

Under the new SmartBenefits™ through AAA travel insurance provider Allianz Global Assistance, this is just one example of how easy your claims process can be.

What can Allianz Travel Insurance can provide benefits for? +

Allianz Travel Insurance covers a range of medical assistance services and travel related emergencies including:  

• Trip cancellations or interruptions
• Emergency medical transport
• Lost/stolen travel documents
• Lost baggage

For a full list of frequently asked questions, visit Allianz Insurance FAQs

For the most up to date information and coverage updates, visit Allianz Coverage Alerts  

Ready for travel insurance? Fill out our online form and get a quote

Faster, Easier, More Convenient Reimbursement Options +

More covered reasons, fewer required forms +, payment for missed port of call (aaa benefit) +.

Fill out our online form or call us at (800) 222-7448

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

Allianz Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

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

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

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: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel 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.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

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 Ultimate Rewards®, 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 toward travel when you redeem through Chase Ultimate Rewards®.

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.

Allianz Travel Insurance

AAA Travel partners with Allianz Global Assistance to offer our Members travel insurance.

When you purchase Allianz Global Assistance Travel Insurance*, you will also benefit from several special features: 24 hour emergency assistance hotline staffed with multilingual representatives, who can help replace lost tickets and travel documents, help you get access to cash in an emergency, and who may provide assistance during medical or legal emergencies.  

TripProtect Deluxe

Doubles nearly all the post-departure coverage of the TripProtect Select—including emergency medical and transportation benefits, baggage loss protection, and more.

TripProtect Cancel Anytime

Gives you the extra flexibility to cancel your trip for almost any unforeseen reason that the TripProtect Select does not already cover at 100% and receive 80% of your non-refundable trip cost back.

TripProtect Select

Prepares you for the unexpected with generous levels of protection for domestic and international travel. It’s the ideal travel companion with features like trip cancellation protection, emergency medical benefits, 24-hour emergency assistance, and more.

Your AAA Travel Counselor can help you choose a travel insurance policy that’s right for you. AAA Travel partners with Allianz Global Assistance to offer members the best travel insurance coverage possible.

Outsmart Travel Mishaps with Allianz Travel Insurance

New SmartBenefits™   Protect Your Trip with More Benefits and Fewer Obstacles

Imagine this: your connecting flight has been delayed again. As you flip through your magazine for the third time, a notification pops up on your smartphone. You take a closer look. It’s a message from Allianz Global Assistance, asking how you’d prefer to receive $100 for your covered travel delay. Aside from flipping through your magazine, you haven’t lifted a finger.

Under the new SmartBenefits™ through AAA travel insurance provider Allianz Global Assistance, this is just one example of how easy your claims process can be.

Easier, Faster, More Convenient Reimbursement Options

The last thing you’ll want when you’re inconvenienced is another obstacle–in the form of paperwork. In addition to flight monitoring and proactive payments for qualifying delays, there’s also a new, no-receipts-required reimbursement option for lost or delayed baggage–meaning you’ll have the option to receive a benefit payment without having to itemize everything you bought to hold you over or replace lost items.

More Covered Reasons, Fewer Required Forms

It’s difficult to imagine everything that could interfere with a trip, but more potential scenarios now fall under protection–including employee transfers, mandatory evacuations, and even hurricane warnings on the new TripProtect Deluxe plan. And, while there are now additional reasons for reimbursement, there’s one less step in the claims process: a Physician Statement Form is no longer required for filing most claims.

Payment for Missed Port of Call (AAA Benefit)

Occasionally, cruise ships are forced off their intended courses, missing scheduled stops on their itineraries. With Allianz Travel Insurance through AAA, most plans now include a new SmartBenefit™: Missed Port of Call. If your cruise misses a port or stops change from its scheduled itinerary, you can receive $100 for each missed port, up to a maximum of $300.

Fill out our online form or call us at 1-800-421-4552

*Terms, conditions, and exclusions apply. Insurance benefits underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans. When you opt in and provide flight information, Allianz Global Assistance will monitor flights and send flight status and benefit alerts, including about flight delays that qualify for automated travel delay payment. Standard message/data rates apply to SMS alerts. SmartBenefits automated claims system and payment availability is not guaranteed and is subject to Allianz Global Assistance's sole discretion. All claims subject to policy terms, conditions, and exclusions.

Contact A Travel Advisor

Let AAA assist you with your travel plans. Speak with a AAA Travel Avisor to plan the perfect getaway.

Become a AAA Member

We are more than Roadside Assistance. AAA members enjoy access to many travel benefits and discounts. 

The many travel benefits of being a AAA member

By AAA staff

December 15, 2023

AAA Travel is one of the largest full-service leisure travel agencies in the U.S. and works with over 100 well-known partners worldwide, but you may not realize how many travel benefits are included with a AAA membership.

AAA Travel offers discounts on rental cars, hotels, vacation packages, passport photos, other exclusive offers, as well as access to AAA Travel Advisors. We look at the many travel benefits of a AAA membership and how you can save on your next vacation by becoming a member.

AAA hotel discounts

Whether you’re looking for a last-minute hotel or searching for deals on a future stay, AAA offers members exclusive discounts with hundreds of hotel brands such as Hilton , Hyatt , Marriott , and MGM Resorts .

Members can save 5% or more 1 by booking the exclusive AAA rate and still earn loyalty points at most hotels. Join AAA to unlock savings on everything from a budget hotel stay to suites at all-inclusive resorts in popular destinations such as Mexico  and Las Vegas .

AAA rental car discounts

If your vacation includes a rental car , a AAA membership can save you 10% or more on the base rate 2 from Hertz, Dollar, and Thrifty. Members also receive exclusive access to limited-time sales and offers from these major rental car companies to save even more.

On top of those savings, AAA members also receive:

• 10% off fuel purchase options 3
• Free use of a child seat, which could save parents traveling with young children $13.99 a day 3
• Free addition of qualified AAA drivers, a savings of $13.50 daily 3
• No rental fee for young drivers ages 20-24, which is a savings of $29 each day 3

Members can also join Hertz Gold Plus Rewards to earn points and perks like a free rental day. 4

Vacation planning with AAA Travel Advisors

With personalized travel services from a AAA Travel Advisor, a AAA membership makes it easy to plan your dream vacation and save. Travel advisors can help you find member deals that may not be available anywhere else; help you book accommodations, flights, and must-do activities; as well as provide you with invaluable travel insight into a destination. Whether you’re looking to immerse yourself in history and culture, find the perfect beach to relax on, or want to travel like a local, AAA Travel Advisors can customize a vacation just for you.

Working with a AAA Travel Advisor also gives you the added peace of mind of knowing they’ll be there to help before, during, and after your vacation. Members can  schedule a phone, virtual, or in-person appointment online by selecting their branch .

AAA travel deals for members

Whether your idea of a perfect vacation  includes a cruise , a guided tour, flexible independent travel, a private or small-group tour, or something else, AAA members get deals and discounts on a wide variety of vacation packages , including cruises and tours.

Travel discounts on cruise packages

Join AAA to access year-round discounts; limited-time sales; and perks like onboard credits, in-room gifts, and more on cruise vacations to top destinations like Alaska, Europe, and the Caribbean. Save on packages from well-known cruise lines like Carnival Cruise Line , Celebrity Cruises , Princess Cruises , Royal Caribbean Cruises , Viking , and AmaWaterways River Cruises . 

Travel discounts on tour packages

AAA members can get discounts and offers on guided tours from AAA Member Choice Vacations , Alexander + Roberts, Brendan Vacations, Abercrombie & Kent, Insight Vacations, and other top-rated tour providers. With tour packages on every continent, your AAA membership can help you completely immerse yourself in any destination with local guides who can show you authentic experiences.

Discover all the travel benefits of a AAA membership

Join AAA today

Passport photos

If you need to apply for or renew your passport before your vacation, AAA travel benefits include member discounts on passport photos . One of the most common reasons a passport application is denied is because the submitted photo fails to meet the strict government specifications on size, pose, background, and more.

Eliminate the guesswork and help ensure your passport application is approved by getting your passport photos from AAA. Members save at least 30% on a set of 2 passport photos taken at a AAA branch . 5

RushMyPassport

AAA memberships can help you get a visa or passport quickly and save with a 10% discount on expedited passport and visa services from RushMyPassport . 6 Avoid long delays and a trip to the passport office and get your passport application processed in as little as 5 business days once your documents are received. And with a personalized passport application review from RushMyPassport professionals, you can help prevent common mistakes.

AAA Travel resources & services

AAA memberships make travel planning easy with services, discounts, and amenities. Plus, members get peace of mind of knowing AAA is with them every step of the way.

International Driving Permit

Want to drive on your international trip? Requirements vary by destination. Some international countries recognize U.S. driver's licenses, but others require an International Driving Permit (IDP) to drive or even rent a car. Before driving overseas, members can conveniently get an IDP by mail or by visiting a AAA branch .

Travel insurance

A vacation can be a huge expense and Allianz Travel Insurance plans 7 from AAA can help protect you, your loved ones, and your investment. Travel with confidence knowing you have award-winning 24/7 support and protection from Allianz to help you manage any unforeseen issues that may occur before or during your trip. Get coverage for things such as trip cancellation or interruption, emergency medical care, lost luggage, and more.

TSA PreCheck

TSA PreCheck helps travelers save time and hassle at airport checkpoints. AAA partners with IDEMIA, the authorized TSA PreCheck enrollment provider, to offer members convenient TSA PreCheck enrollment events at AAA branches .

AAA Travel resources

AAA can help you get inspiration for your next adventure or spark your curiosity with insightful travel articles and the Traveling With AAA podcast . Plus, with road trip planning guides and maps , travel discounts , and a wealth of other travel resources , a AAA membership makes it easy to discover the world, wherever you want to go.

Become a AAA member to enjoy all the travel benefits and value a membership can provide.

1 Standard AAA rate discounts are not a lowest price guarantee. Actual discounts may vary, are available at participating hotels around the world and do not apply to all room types. Must present valid AAA/CAA membership card at check-in. Subject to availability and other terms and conditions. Offers subject to change without notice. If you don’t check-in to the hotel on the first day of your reservation and do not alert the hotel in advance, the hotel reserves the right to cancel your reservation and may charge you a penalty. Your credit card will be used to guarantee the reservation. The hotel will charge you directly for room and tax. If you decide not to use your hotel reservation you must cancel it according to the cancellation policy listed or you may be subject to a no-show penalty charged by the hotel. The hotel may require a deposit on confirmed reservations. Deposit amounts can vary from one night to all nights of the stay or another amount required by the hotel. If your hotel requires a deposit, they will charge the credit card provided at time of booking. In the event they are unable to charge the applicable deposit to the credit card provided, your reservation may be canceled.

2 Discounts applies to pay later base rate. Discount will vary depending on date, location, length of rental, car class & other factors. Taxes, fees, and options excluded. AAA Club Discount Code (CDP) must be included in reservation. Benefits available at participating Hertz locations in the U.S;, Canada and Puerto Rico. Twenty-four (24) hour advance reservation required.

3 AAA Club Discount Code (CDP) must be included in reservation. Benefits available at participating Hertz locations in the U.S;, Canada and Puerto Rico. Twenty-four (24) hour advance reservation required. Additional Driver and Young renter must be a AAA member, have a credit card in their own name and meet standard rental qualifications. Child safety seat is subject to availability. Gas savings is only valid when prepaid fuel option is purchased at pickup.

4 HGPR enrollment offer is for AAA members who enroll at AAA.com/Hertzgold or Premier members at AAA.com/Hertzpremier. Valid for new Hertz Gold Plus Rewards (HGPR) members only. Points will be added to HGPR members after first paid Gold rental. At the time of rental, present your AAA membership card.

5 Passport photo fee is subject to change without notice and at any time.

6 Savings applied to RushMyPassport™ service fees only. Government processing fees and shipping fees are paid separately and are not discounted. U.S. Passport and Global Travel Visa services are available online only at AAA .com/RushMyPassport. Some applications may require adjudication at a passport acceptance facility. Terms and conditions apply.

7 Must be 17 and under on plan purchase date and traveling with their parent, grandparent, or legal guardian. Not available on policies issued to Pennsylvania residents. Terms, conditions, and exclusions 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 (AGA) or its affiliates. AGA compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency. 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  customerservice@allianzassistance.com .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Get a Quote

Last-minute cancellations. Travel delays. Rental car accidents. When the unexpected happens, you can rely on Allianz Travel Insurance to help make things right.

Whether you're planning a road trip, camping getaway or vacation rental, a OneTrip plan can help you journey there  — and back  — with confidence.

Get affordable protection for all your trips — family vacations and weekend getaways alike — for a full 365 days.

Enjoy peace of mind on your next road trip. Get robust rental car coverage for a fraction of what you'll typically pay at the rental counter.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Why Do I Need Travel Insurance?

Because your trip is too important to leave to chance. For a small fraction of your trip costs, you can count on travel insurance to save the day when things go awry.

• If you have to cancel your trip for a covered reason, travel insurance can reimburse you for your prepaid, non-refundable trip costs. Without insurance, you could lose the money you paid for your vacation rental, car rental, hotel, flights and more.
• If you experience a covered medical emergency , travel insurance can help ensure you get high-quality care and reimburse you for covered medical costs. Without insurance, you may have to pay out of pocket.
• If your rental car gets damaged, lost or stolen , travel insurance can pay for the loss. Without insurance, you could get hit with a huge bill.
• If you face an unexpected crisis, travel insurance connects you to 24-Hour Hotline Assistance for expert help and advice. Without insurance, you’re on your own.
• If your travel plans are affected by COVID-19,  many of our travel protection plans now include the Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. Benefits vary by plan and by state of residence, and are not available in all jurisdictions. Learn more in our COVID-19 FAQ .

WHICH PLAN IS RIGHT FOR ME?

OneTrip Travel Insurance Plans

If you're the type who plans one big getaway a year, a OneTrip plan can offer benefits to help you breathe easier -- like trip cancellation, luggage protection, emergency medical benefits, and more. And all plans come with 24-Hour Assistance in case you need expert travel help along the way.

Annual Travel Insurance Plans

Frequent traveler? An AllTrips annual travel insurance plan may be a great fit. You can get the protection you need for all the trips you take in a full year -- domestic or international, leisure or business -- all under one convenient plan.

Rental Car Insurance Plans

If you're hitting the road in a rental car, OneTrip Rental Car Protector can provide primary protection for covered collision, loss, and damage, along with 24- hour emergency assistance. It's an affordable alternative to using your personal insurance, or overpriced options at the rental counter.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

What our customers say

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] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

20% Off Allianz Travel Insurance Promo Code (1 Active) 2024

AllianzTravelInsurance.com Deal: Get an Exclusive Benefits When You Create an Account at Allianz Travel Insurance

See Today's Travel Insurance Deals at Amazon + Free Shipping w/Prime

Get Up to 40% Off Last Minute Weekend Getaways at Expedia!

Get 20% Off Travel Insurance Using These Allianz Travel Insurance Competitor Coupons (Active Today)

Try these unverified codes for allianz travel insurance and get up to 50% off if they apply to your purchase, why search for allianz travel insurance coupons.

eBay Savings: Save Up to 30% on Travel Insurance at eBay

Allianz Travel Insurance Deal: Get Up to 20% Off Travel Insurance at Walmart (Free Next-Day Shipping on Eligible Orders $35+)

Unverified promo codes for allianz travel insurance, allianz travel insurance promo code: extra 5% off sitewide, try this seasonal discount code at allianztravelinsurance.com, allianz travel insurance promo codes: complete timetable.

Knoji is the largest database of AllianzTravelInsurance.com coupons and Allianz Travel Insurance discount codes online. Our massive community of shoppers adds over 10,000 coupons per day and makes thousands of coupon edits, ensuring we have every working Allianz Travel Insurance code available while minimizing the likelihood that you'll run into an expired code.

Every promotional code displayed on this table has been hand-verified by multiple members of our community. We show you this table so you have a complete record of Allianz Travel Insurance promo codes , including older promotions that you can test yourself on Allianz Travel Insurance's website. (In some cases, Allianz Travel Insurance may have reactivated older codes, which may still work for discounts at allianztravelinsurance.com).

Looking for a Allianz Travel Insurance coupon code for 2024? We've got you covered.

Allianz Travel Insurance: How to Save Money and Find Coupon Codes

Allianz travel insurance coupon stats, allianz travel insurance coupon faq, is allianz travel insurance offering any coupons today, how often does allianz travel insurance release new coupons, how do i find allianz travel insurance coupons, what's allianz travel insurance's best coupon discount right now, how do i use my promo code for allianz travel insurance, does allianz travel insurance offer loyalty programs, how to apply your allianz travel insurance discount code, travel insurance products promo codes and deals - active today, why knoji is the best source for allianz travel insurance promo codes, coupons & deals.

More From Forbes

How to save money on travel insurance if you’re over 60.

• Share to Facebook
• Share to Twitter
• Share to Linkedin

Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

Netflix Is In A Bind With 3 Body Problem Season 2

Google suddenly reveals surprise android update that beats iphone, ukraine has developed 15 kinds of long range strike drone and has sortied them against russia s oil industry, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

• Editorial Standards
• Reprints & Permissions

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Bad Credit
• Best Home Equity Loan Rates
• Best Home Equity Loans
• What Is a HELOC?
• HELOC vs. Home Equity Loan
• Best Free Checking Accounts
• Best High-Yield Savings Accounts
• Bank Account Bonuses
• Checking Accounts
• Savings Accounts
• Money Market Accounts
• Best CD Rates
• Citibank CD Rates
• Synchrony Bank CD Rates
• Chase CD Rates
• Capital One CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

AAA Insurance Discounts

Learn about available discounts for AAA car insurance, how many are available, how to get them and how much you could save

Heidi is a writer based in Virginia City, Nevada with more than 15 years of experience producing content in the insurance space for companies such as Allstate and Esurance. Heidi is an authority on auto insurance.

Alyssa is a MarketWatch Guides team editor covering personal finance, insurance and loans.

AAA offers a myriad of discounts for its policyholders, who can earn savings for everything from simply bundling policies to being part of a car club. In this article, we at the MarketWatch Guides team take a comprehensive look at some of the best AAA auto insurance discounts, outlining how many are available, how to get them and how much money AAA can save you.

We’ll also cover some of the biggest money-saving discounts from our top-pick insurance companies .

Key Takeaways:

• AAA has a range of available car insurance discounts that could save drivers an average of $376 per year .
• In addition to membership perks, which include a 5% discount on auto and home insurance, AAA offers discounts for bundling, driving safely and being part of a car club.
• Geico and State Farm also offer deep discounts to policyholders, with savings for vehicle safety features, good driving, and for government and military personnel.

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

AAA Car Insurance Discounts

For more than 100 years, the American Automobile Association (or AAA, as it is commonly known) has been synonymous with roadside safety and all things travel-related. In 1915, at the dawn of the automotive age, it was the first company to offer assistance to stranded drivers, and it has been fine-tuning its services ever since.

Today, AAA is at the forefront of roadside assistance, answering nearly 30 million calls a year from stranded motorists. But now, in addition to emergency services, AAA has a range of personal insurance products, including:

• Business 

AAA also has a range of available car insurance discounts that could save drivers an average of $376 per year.

List of AAA Discounts

As a membership-based organization, AAA offers numerous discounts on everything from hotel stays to dining to auto repairs. According to the company, an AAA member can save as much as $170 a year on non-auto insurance-related items.

In addition to membership perks, which include a 5% discount on auto and home insurance, AAA offers multiple other discounts for policyholders. You could earn a discount for bundling policies or one for being part of a car club.

AAA Multi-Policy Discounts

Many insurance companies provide multi-policy discounts as a way to earn more business. Bundling means buying more than one policy with a company. Insuring your car and home with the same company would be a bundle, for instance. 

AAA offers multi-policy discounts for houses, condominiums, cars, renters insurance and life insurance. Here are more details.

AAA Auto Policy Discounts

When it comes to auto policy discounts, AAA gives drivers plenty of opportunities to save, including all of the following.

AAA Driver and Vehicle Discounts

Driver and vehicle discounts are some of the easiest to get and can save you significant money on your car insurance. AAA applies these discounts based on details about you and your vehicle.

How To Save Money on Car Insurance with AAA

Discounts are the simplest way to save money on car insurance . When getting a quote with AAA, include all driver and vehicle specifics that could qualify you for discounts.

Here are more things you can do to earn the maximum number of discounts and save money on car insurance with AAA:

• Drive safely . The best way to save on car insurance is to maintain a clean driving record with zero accidents or driving violations. In addition to its Good Driver Discount (20%), AAA has a Driver Training Discount of 10% for completing an approved safety course.
• Insure more than one car . Add all your vehicles to the same AAA policy to save as much as 15.7% with the Multi-Vehicle Discount.
• Bundle home and auto. If you bundle your car insurance with your home, condo or renters insurance, you could save up to 12.7% on your car insurance.

Outside of earning as many special discounts as you can, there are other ways to save money on car insurance with AAA or any insurance carrier. They include:

• Increase your deductible . The higher your deductible, the lower your monthly premium usually is. You can raise your deductible to whatever amount you think you can comfortably pay out of pocket if you need to file a claim.
• Update your policy regularly . Certain life events, such as getting married, having a baby or moving, affect your car insurance rates. Check your policy regularly to make sure you’re getting any additional savings you may now qualify for. 
• Maintain a good credit rating. Because insurance companies associate higher credit scores with reliability and financial responsibility, having a solid credit rating can lead to lower car insurance premiums.

AAA Auto Insurance Discounts: The Bottom Line

When it comes to auto insurance, most drivers want to save as much money as possible while ensuring they’re protected should an accident occur. With more than 100 years of experience protecting drivers, AAA is a sound choice for car insurance and one that has many discounts to save you money.

AAA Alternatives With Discount Opportunities

Car insurance companies provide discounts to compete for your business. Actuary and rating factors are often complex and can be difficult to calibrate, so discounts are the typically best way for insurers to lower their rates and earn more business. Most major insurance carriers offer numerous discounts, but the MarketWatch Guides team recommends the following: 

Geico: Affordable for Most Drivers

Known for its affordable prices, Geico has a host of discounts that could help you save even more than the 15% it promises in its long-running ad campaign. Here are a few of Geico’s vehicle safety discounts:

• Daytime running lights (3%)
• Airbags and anti-theft systems (23%)
• Anti-lock brakes (5%)
• New vehicle (15%)
• Safe driving (up to 22%)

Geico also has an extensive range of affiliation discounts, including for federal employees (12%), military service members (15%) and emergency deployment personnel (25%). Because of these potential savings, it’s easy to see why Geico tops the MarketWatch Guides list of cheapest car insurance providers.

Read more: Geico auto insurance reviews

Compare: AAA vs. Geico

State Farm: Editor’s Choice

State Farm also ranks high on our MarketWatch Guides list of cheap car insurance. It has some of the most affordable rates in the industry for good drivers. State Farm’s good driving discounts include:

• Steer Clear ® : For new drivers under the age of 25
• Accident-free: For maintaining a clean driving record
• Defensive driving course: For completing a driver safety course
• Good driver: For going three years without moving violations or at-fault accidents

Additionally, State Farm’s UBI (usage-based insurance) program, called Drive Safe & Save ™ , gives drivers an initial discount just for enrolling but then offers savings of up to 30% based on safe driving habits.

Read more: State Farm auto insurance review

Compare: State Farm vs. Geico

AAA Insurance Discounts: FAQ

Below are frequently asked questions about AAA insurance discounts.

What is the cost of an AAA membership?

AAA offers three membership plans: Classic (at $64.99 per year), Plus (at $99.99 a year) and Premier (at $124.99 a year).

How can I sign up for AAA?

It’s simple to sign up for AAA. Visit AAA’s website, select your plan and sign up online in minutes.

What is the AAA roadside assistance?

All AAA members earn access to their roadside services, which include 24-hour emergency assistance, towing for up to 200 miles (based on your plan), flat-tire and lockout help, emergency jump-starts and more.

What are the benefits of an AAA membership?

In addition to getting emergency roadside assistance, AAA members get access to discounts on everything from hotel stays, rental cars, retail shopping, dining, attractions and events, home services, auto repair and more. According to AAA’s website, members who use AAA discounts save an average of approximately $170 a year.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on the volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.

Related Articles

Join AAA today Membership gives you access to Roadside Assistance, Deals, Discounts, and more.

• Add Members
• Gift Membership
• Member Benefits Guide
• Renew Expires in 28 days

AAA Visa Signature® Credit Cards

Earn a $100 Statement Credit

After spending $1,000 on your card within 90 days of account opening.

• Advice back All Advice Travel Auto Money Home Life
• Destinations back All Destinations Northeast States Southeast States Central States Western States Mid-Atlantic States National Parks Road Trips International Travel Inspiration
• Connect back All Connect Community Stories Authors & Ambassadors
• Guides back All Guides Doing Your Taxes Protecting Your Valuables Winter Driving Buying and Selling a Car Buying and Selling a Home Getting Organized Home Improvement Improve Your Finances Maintaining Your Car Saving Money Staying Healthy Traveling
• Series back All Series AAA World Member News AAA's Take KeeKee's Corner AAA Traveler Worldwise Foodie Finds Good Question Minute Escapes Car Reviews
• Travel Insurance

Allianz Global Assistance

Go with a global leader

Allianz Global Assistance is a world leader in the travel insurance and assistance industry because they help protect travelers if they need to cancel before a vacation—or need help during their trip. With award-winning 24/7 travel assistance in 70 languages, you can get help anytime, anywhere. For peace of mind wherever you go , talk to your AAA Travel Agent about travel insurance with exclusive Member benefits—plus proactive SmartBenefits SM and the free TravelSmart™ app. Travel safe. Travel smart. Travel with AAA and Allianz.

Top 10 Reasons People Buy Travel Insurance

1. Life is unpredictable. Some trips need to be cancelled. With travel insurance, you don’t necessarily have to pay for a trip you are unable to take. 2. Nearly 3 million bags were lost, late or damaged by airlines in 2022. Allianz Global Assistance can provide benefits to replace needed items if your bags are delayed, damaged or stolen. 3. Credit card coverage may not provide sufficient coverage for travel. The free coverage that may or may not be included with your credit card will never be as extensive as a separate travel insurance plan. 4. Sick happens. Nothing can ruin a vacation like getting sick. Travel insurance can provide you with peace of mind – especially when travel outside the United States, where many hospitals request cash payments in the thousands before treatment can even begin. 5. Health insurance may not go the distance. The majority of U.S. health insurance policies (including Medicare and Medicaid) don’t cover international travel. And, those that do will likely not cover the cost of medical evacuation back to the U.S. which can cost more than $50,000. 6. Lost or forgotten medication? Travel insurance can provide assistance to assist you in locating a pharmacy to purchase a new prescription. 7. Even the most stable of travel suppliers can default quickly. If a cruise line, airline or tour operator ceases operations due to financial hardship or bankruptcy, travel insurance can save you from paying for a trip you’ll never get to take. 8. In the event of an emergency, airlines are not required to refund a ticket. It’s ultimately the airline’s decision whether a traveler’s situation warrants a full refund of the ticket cost. Most times however, airlines will merely offer a credit voucher (the original purchase price minus a penalty fee) towards future travel. 9. Flight delays can add up. It is not the airline’s responsibility to cover costs associated with delayed flights or refund money due to missed connections. Travel insurance can reimburse you for costs associated with these, including rebooking fees, meals and accommodations. 10. We all experience tough economic times. The loss of a job or other income might mean a trip planned in advance may have to wait. Travel insurance can put cash back into your hands when you need it most.

Online Plans

Allianz plans offer generous protection for all domestic and international travel. Most plans feature trip cancellation and primary emergency medical benefits, 24-hour travel assistance, and optional benefits to tailor the plan to your travel needs. Allianz is the perfect companion for your perfect vacation. Kids Are Free Kids 17 and under are covered for free* on select plans when traveling with a parent or grandparent.

Car Rental Protector

We’ve created a solution to save you time and money at the car rental counter. Rental Car Protector provides primary benefits for covered collision, loss and damage up to $50,000, along with 24-hour emergency assistance.

Additional Options

• Theme Park Protection – Custom benefits for vacations to U.S. theme parks.
• Enhanced Insurance – Higher level of benefits, perfect for longer trips, international trips, or to have the ultimate peace of mind.
• Annual Insurance Plans – Designed to provide ongoing benefits for frequent travelers.
• Don’t see the travel protection you want? Speak to one of our agents as other plans are available.

Terms, conditions, and exclusions 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. 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].

*Kids 17 and under free is available on select plans. Not available on policies issued to Pennsylvania residents.

Welcome to AAA

To enjoy customized local content, please enter your ZIP Code below.

Limited Time Offer!

Please wait....

• Member Handbook
• Refer A Friend
• Add Associate
• Free Identity Theft Protection
• New Car Insurance Guide
• Home Insurance Insights
• Travel Deals
• Top Destinations
• Banking Primer for Teens
• Empty Nester Options
• Local Deals
• AAA Dollars - Learn More
• Driving Schools
• School Safety Patrol
• Fuel Prices
• Free Teen Membership
• Spontaneous Trip Planning
• Our Evolving Car Culture

Go Confidently With Travel Insurance

Purchase travel insurance to safeguard your trip

No worries. you've got this..

Affordable travel insurance could save you thousands if something goes wrong before or during your cruise, tour, hotel stay or even car rental. Select plans cover kids 17 and under for free when traveling with a parent or grandparent. Protect your vacation investment before you go.

What Does Travel Insurance Cover?

Protect your travel budget with AAA-exclusive TripProtect from our trusted travel insurance partner Allianz Global Assistance and you can have money-saving benefits and 24/7 live assistance.

• Costly Unplanned Expenses:  Travel with peace of mind knowing you have coverage for accidents, illness, medical emergencies, delayed or canceled flights, lost luggage and more.
• Covered Delay: Receive reimbursement for eligible meals, accommodation and transportation expenses during a covered delay.
• Cruise Missed Port: Receive $100 payment per port if your cruise misses a scheduled port-of-call on your original itinerary or replaces it with a different port-of-call.
• Cruise Water Level: Your trip cancellation or interruption benefits can be used when water levels are too high or too low for a cruise to proceed with its scheduled itinerary.
• Emergency Medical: Plans can reimburse you for care following a covered medical emergency while traveling and arrange and pay for an emergency medical evacuation if needed.
• Luggage Issues: Protection for your lost, stolen, damaged or delayed personal belongings.
• Severe Weather:  When purchased before a hurricane becomes a named storm, travel insurance offers protection against sudden and unforeseen situations and events.
• Trip Cancellation:  Plans can reimburse you for up to 100% of your prepaid, non-refundable trip costs if you have to cancel for a covered reason, such as your traveling companion getting sick.
• Vehicle Rental:  Renting a car means taking on financial risk and plans with rental car insurance coverage help you drive worry-free.
• Vehicle Return:  Plans reimburse you for the cost of transporting your vehicle back to your residence when a covered illness or injury prevents completion of your trip.

Added Convenience

• Assistance Hotline:  Get access to the Allianz 24-Hour Assistance hotline for expert, personalized support in a crisis.
• Hassle-Free Claims:  TripProtect plans with SmartBenefits ® can provide automatic, proactive payments for covered delays on monitored flights* and a no-receipts-required payment option for lost or delayed luggage.

Purchase with Your AAA Travel Agent or Online Now

• Even if you didn't book your travel with AAA, you can still purchase an insurance plan with AAA.

Travel Insurance FAQs

When should I buy travel insurance?

It's best to purchase your travel insurance through AAA when you book your trip because it gives you the most options for coverage. 

While it's tempting to purchase a cruise or tour operator-offered insurance plan, their benefits may not be what you need. Be sure to weigh all the options before you make a purchase decision. 

Are there Allianz services in the AAA Mobile App?

In the Local Services for Travelers section in the AAA Mobile App, you'll find travel tools, including a medical translator and emergency phone numbers for hospitals and medical facilities worldwide. 

Download the  AAA Mobile App  now.

Is there a podcast where I can learn about travel insurance?

If you prefer to learn about travel topics through podcasts, we've got you covered. In our informative, 10-minute  How Travel Insurance Helps You Enjoy Your Vacation  episode, you'll hear from travel insiders. Listen on Apple today.

Other ways to learn how travel insurance works?

These quick articles can help you make an informed decision.

• Why Should I Buy Travel Insurance? >
• AAA Travel Agents Answer Common Questions >

Or, watch our Allianz travel insurance videos for even more insight and helpful information.

Allianz awards & accolades

AAA Travel's preferred partner Allianz is a leader in the travel insurance industry and has been recognized with the following:

• 2023 RECOMMEND Magazine Readers Choice Award - Travel Insurance
• 2023 The Wall Street Journal Buy Side - Best Overall Travel Insurance
• 2022 Travel Weekly Readers Choice Awards - Best Insurance Provider
• Newsweek – Best Customer Service 2022
• 2021 MONEY Magazine - Six Best Travel Insurance Companies - Best Reputation
• 2021 US News and World Report - Top 10 Travel Insurance Companies

Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Refer to your plan for restrictions and full details. Insurance coverage is underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52.401, or Jefferson Insurance Company, rated A (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C-XX-01 or 101-P-XX-01, depending on the insured’s state. Allianz Global Assistance is a brand of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

*When you opt in and provide flight information, Allianz Global Assistance will monitor flights and send flight status and benefit alerts, including about flight delays that qualify for automated travel delay payment. Standard message/data rates apply to SMS alerts. SmartBenefits  automated claims system and payment availability is not guaranteed and is subject to Allianz Global Assistance’s sole discretion. All claims subject to policy terms, conditions, and exclusions.