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Accident Insurance

Accidents can happen at any time, whether you’re traveling or at home. Help protect yourself and your family with AAA Life Insurance Company’s Member Loyalty® Accident Insurance.

How does this Member Loyalty® Accident Insurance work?

AAA members ages 18 and older are eligible to receive Member Loyalty® Accident Insurance. AAA Life Insurance Company values the loyalty of AAA members and has designed this coverage to reward them for their years of membership. Whether you’re driving around the corner or flying around the world, crossing the street or traversing the continent, Member Loyalty Accident Insurance provides coverage 24 hours a day, 365 days a year. As your years of AAA membership grow, so do loss of life, hospitalization, recuperation, and emergency room and urgent care benefits with no increase in your monthly premiums. If you are a AAA member 18 or older, you’re guaranteed to be eligible to receive this coverage. There are no medical exams and no health questions. It couldn’t be easier to get this insurance protection.

Here are just a few of the unique benefits and features of our accident insurance:

  • Guaranteed acceptance—no health questions or medical exams
  • Immediate coverage with your processed payment—no waiting period
  • Family coverage is also available1
  • Free lifetime AAA membership for the surviving spouse2
  • Coverage ANYWHERE in the world
  • Exclusive for AAA members
  • Benefits are paid directly to you or your beneficiary
  • Enroll today by phone call 1-877-294-1376

Is Member Loyalty Accident Insurance right for you?

Accidental injuries are a leading cause of death in America.3 Whether you’re changing lanes on a highway or changing a light bulb in your house, accidents can happen at any time.

Having our Member Loyalty Accident Insurance can give you additional peace of mind knowing you’re covered for loss of life, hospitalization, recuperation, and emergency room or urgent care treatment for injuries resulting from most types of accidents. This includes just about anything you can think of, such as accidents that occur while working around the home, when you're out shopping, while you're at work, or while traveling. You’re even covered on motorcycles and bicycles or if you’re out walking. Given the risks you face, it’s a smart decision to make sure you and your family are covered no matter where you go.

This isn’t just any ordinary accident insurance. This insurance offers four-part coverage and five benefit levels.

AAA members, who have been part of AAA for five years or more, are eligible for our 5th year PREMIER benefit level, which includes the following benefits:

  1. Accidental Loss of Life—A benefit of $500,000.00 can be paid for loss of life when traveling on regularly scheduled airline flights. A benefit of $250,000.00 can be paid for loss of life while driving or riding in private cars, self-propelled motor homes, trucks, motorcycles and bicycles; as well as while traveling as a fare paying passenger on public transportation including buses, trains, and taxis. A benefit of $250,000.00 can be paid if the member is struck by a motor vehicle as a pedestrian. Also, $62,500.00 can be paid for death due to a covered accident that isn’t travel-related.

  2. Hospitalization—Fortunately, not every accident results in death. Unfortunately, accidents can result in lengthy and expensive hospital stays. Benefits of $1,500.00 per day can be paid for a maximum of 365 days per occurrence from the very first day of hospitalization due to a covered travel accident. Benefits of $375.00 per day can be paid for a covered non-travel related accident.

  3. Recuperation—How often would someone leave the hospital after a serious injury and go right back to life? It can take weeks or even months to recuperate from a serious injury. Another $1,500.00 per day in benefits can be paid to help the member recuperate for a maximum of 365 days per occurrence for a covered travel accident (equal to the maximum number of days as hospitalization). And $375.00 per day in benefits can be paid for a covered non-travel related accident.

  4. Emergency Room and Urgent Care—People are often surprised when they get the bill for an emergency room visit. The ER may charge for every doctor or nurse who sees the patient and every test they do. An annual $1,500.00 emergency room and urgent care benefit can be paid for a covered travel accident. And an annual $375.00 benefit can be paid for a covered non-travel related accident.

Take advantage of your AAA membership and put Member Loyalty Accident Insurance in effect for you and your family. To enroll today by phone call 1-877-294-1376.

Disclaimers & Disclosures

1Family coverage is spouse at 60% of the primary insured’s benefit and children at 20%. Age of Children Covered Under Family Coverage: The definition of the insured’s eligible children may vary by state based on factors such as age, marital status, education, and mental or physical status. Please see the Certificate for specific details. 2Annual basic/classic AAA membership dues will be paid by AAA Life to the insured’s local AAA club. This membership feature is not available to residents of KS, VA, and VT. Spouse includes Registered Domestic Partner, Civil Union Partner, or party to a domestic partnership between two adults, as recognized by state law. 3Injury Facts® 2015, National Safety Council®.


This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please refer to the Certificate of Insurance or the Group Master Policy.

For costs and further details of coverage, including exclusions, any reductions or limitations and the terms under which the policy may be continued in effect, call or write to the company.

Product and its features are not available in all states. We offer insurance as Auto Club Loyalty Accident Insurance to Auto Club members in southern California. Only one Accident Certificate per insured is permitted.
Member Loyalty® Accident Insurance Policy Form Series AAA-MLT-01, AAA-MLT-02, AAA-MLT-GP05, AAA-MLT-06UT (In OR: AAA-MLT-01).