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Travel Accident Insurance

Accidents can happen at any time. Help put your mind at ease by protecting yourself and your family when you travel with AAA Life's Member Loyalty® Travel Accident Insurance.

Is Member Loyalty® Travel Accident Insurance right for you?

You probably travel more than you think you do. Because “travel” doesn’t only mean getting on a plane or taking to the highway. It means driving to the store, riding a train or bus to work, even if you’re struck by a vehicle while walking to the drug store.

According to the National Safety Council’s 2013 Injury Facts®, travel-related accidents are the leading cause of death or serious injury. Given the risks you face, it’s a smart decision to make sure you and your family are covered no matter where you go. And with our All Accident Loss of Life benefit, you’re protected even if you’re not traveling!

And this isn’t just any ordinary Travel Accident Insurance. This five-part insurance covers you at our Premier benefit level for:

  1. Accidental Loss of Life—up to $500,000 paid to your beneficiaries for loss of life when traveling on airplanes operated on regularly scheduled flights. Up to $250,000 paid for loss of life when driving or riding in private cars, self-propelled motor homes, trucks, motorcycles and bicycles; as well as when traveling as a fare paying passenger on public transportation including buses, trains, and taxis. It also provides insurance coverage if you’re struck by a vehicle as a pedestrian.
  2. Hospitalization—benefits are paid up to $1,500 a day for up to a maximum of 365 days per occurrence from the very first day you are hospitalized due to a covered accident.
  3. Recuperation—up to another $1,500 a day in benefits to help you recuperate for up to 365 days per occurrence (equal to the maximum number of days as hospitalization).
  4. Emergency Room Visits—an annual emergency room benefit of up to $1,500 per occurrence for covered accidents.
  5. Limited All Accident Loss of Life—up to 25% of the face amount for accidents that aren’t travel-related!1 That's up to $62,500!

How does Member Loyalty® Travel Accident Insurance work?

We value your loyalty to AAA and designed our Travel Accident Insurance to reward you for your years of AAA membership. As your years of membership grow, so do your benefits with no increase in 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 for you and your family to get this insurance protection.

Whether you’re driving around the corner or flying around the world…crossing the street or traversing the continent, your Member Loyalty Travel Accident Insurance will cover you 24 hours a day, 365 days a year.

Here are just a few of the unique benefits & features of our Member Loyalty Travel Accident Insurance:
  • Guaranteed acceptance—no health questions and no medical exam
  • Benefits are paid directly to you or your beneficiary to use any way you wish
  • Immediate coverage with your payment—no waiting period!
  • Spouse and family coverage are also available
  • Free lifetime basic AAA membership for the surviving spouse2
  • You’re covered ANYWHERE in the world!
  • AAA members can enroll by phone—CALL 877-294-1376 TODAY!
  • Exclusive AAA member pricing!

Disclaimers & Disclosures

1All other accident coverage is limited to 25% of the primary insured non-airline travel benefit (10% after age 80) for loss of life only. Does not include Hospitalization, Recuperation or Emergency Room benefits.

2Annual basic AAA membership dues will be paid by AAA Life to the insured’s local AAA club. This membership benefit is not available to residents of KS, VA and VT.

Only one travel accident Certificate per insured is permitted.

Benefit amounts and premium rates shown are the maximum 5-year Premier benefit amounts payable per occurrence. Other levels of coverage are also available.

Product and its features are not available in all states. In Automobile Club of Southern California we provide coverage with our Auto Club Loyalty Travel Accident Insurance. Only one travel accident certificate per insured is permitted.

Like most accident insurance policies, there are circumstances this insurance does not cover, such as suicide or attempted suicide; any injury incurred during the commission of a crime; injuries while intoxicated or under the influence of any controlled substance, unless administered on the advice of a physician; trucks with a rated towing capacity more than 17,000 pounds; jet skis, snowmobiles, ATVs and Segways; operation or crew member of an aircraft; hang gliding and parachuting; and those injuries received while participating in any maneuvers or training exercises of the Armed Forces.(Product and its features may vary by state.)

In no event shall the term “Hospital” mean any hospital or institution or part of such hospital or institution which is licensed or used principally for the treatment of care of drug addicts or alcoholics or as a clinic, continued or extended care facility, skilled nursing facility, convalescent home, rehabilitation facility, psychiatric facility, rest home, nursing home, home for the aged, or any facility with an average length of stay of more than thirty (30) days.

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.

Life Insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except New York.

Policy Form Series: AAA-MLT-01, AAA-MLT-02, AAA-MLT-GP05, AAA-MLT-06UT. In OR: AAA-MLT-01.