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5 Reasons Why You Should Buy Travel Insurance from AAA

Updated: February 03, 2026

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Insurance is probably the last thing on your mind as you plan your vacation, but it shouldn’t be. For a relatively low fee, travel insurance from AAA gives you the peace of mind that comes from knowing that you’re covered in the face of unforeseen circumstances that might crop up before or during your trip.

To put it another way, travel insurance can help prevent your dream vacation from turning into a nightmare by protecting the investments that you make into your vacations and travel. Travel Insurance can completely or partially cover the cost caused by cancelled trips, natural disasters delaying or preventing your vacation, a trip interruption ending your vacation, a medical emergency while traveling, or issues with your flight including delays and cancellations.

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1. Don't Let Trip Cancellations Ruin Your Day.

One of the main reasons travelers like you purchase travel insurance is in case they have to cancel their trip. Illness, accidents, family emergencies and the loss of a job, all can result in forfeiting non-refundable booking fees if you need to cancel your travel plans. Travel insurance can help you recoup some or even all of those expenses. Talk to a AAA Travel Agent or Advisor about what plans cover and advice on which plan best suits your needs.

Palm trees blowing in a tropical stormiStockphoto.com / imagedepotpro

2. Natural Disasters Happen.

Hurricane season in the Atlantic Ocean lasts from June through November, a full six months. Wildfire season in California starts in June or July and doesn’t end until October or November. Instead of trying to plan around all possible natural disasters or risking losing all the money you spent on vacation because your trip was cancelled due to unpreventable natural disasters, protect yourself with travel insurance from AAA.

Travel insurance can cover loss of funds caused by trip cancellations, trip interruptions and trip delays caused by natural disasters, including earthquakes, fires, floods, hurricanes and volcanic eruptions.

Female traveler picking up suitcase from baggage claimiStockphoto.com / izusek

3. Sometimes Trip Interruptions End Your Vacation Early.

Perhaps the only thing worse than the unexpected happening before your big trip is when it happens during your trip. Trip interruption, as defined by travel insurance companies, is an emergency that causes your trip to be cut short or requires you stay in a location longer than planned.

Trip interruptions can be stressful and costly, but travel insurance through AAA can reimburse you for costs incurred by a trip interruption caused by a covered reason. Commonly covered causes of trip interruptions include illness to you, your travel companion or a close family member. Cancellations or termination of services by airlines, cruise lines and other travel providers are also typically covered.

Travel insurance can help cover or mitigate the costs caused by cancellation of nonrefundable hotel reservations, extended stays at hotels and increased travel costs incurred by traveling home early.

Medical doctor giving out a written prescriptioniStockphoto.com / SARINYAPINNGAM

4. You Might Need Medical Attention While Abroad.

No one wants to imagine a medical emergency happening during travel, but it can happen. If you are traveling outside the country, it’s important to know that your U.S. health insurance plan likely doesn’t cover you when you are outside of the country. Travel insurance from AAA can cover the costs of receiving medical attention while in other countries.

Your travel insurance plan can even cover the cost of medical evacuation, which can be tens of thousands of dollars. Purchase travel insurance, so you are covered in case you get sick or are injured while on vacation.

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5. Don't Let Flight Delays, Flight Cancellations and Lost Baggage Be Costly Problems.

Hopefully your flight takes off on time, but in case it doesn’t, travel insurance through AAA can mitigate or completely cover the costs of hotel stays, meals and rebooking fees not reimbursed by the airline when your flight is delayed or cancelled.

Your travel insurance can also reimburse you for the cost of replacing items if the airline loses your luggage or if your luggage is stolen.

Purchase Trave Insurance from AAA for Your Next Trip

Purchase your travel insurance online from AAA when you book your vacation or after you book, or talk to your AAA Travel Agent. AAA Travel Agents can help you select the plan that right for you and answer your questions about what’s covered, so you know what your travel insurance plans cover.

No matter what kind of traveling you are doing — road trips, flying internationally, cruise vacations or vacation packages — travel insurance can protect your investment should the unexpected happen.

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