Jeffrey Wade
AAA members can benefit from accident insurance, which covers accidents that occur during travel and provides protection for life's unexpected events without the need for a separate policy. This insurance is available exclusively to AAA members and covers accidents such as those that occur while riding as a passenger in a common carrier like a plane, train, or bus. It also includes benefits for loss of life, limbs, sight, speech, or hearing, with cash benefits paid for hospital stays, recuperation, and emergency room visits. AAA members can also save 5% on insurance policies and earn discounts by bundling their insurance.
| Characteristics | Values |
|---|---|
| Accident Insurance Availability | Exclusively available to AAA members |
| Cash Payments | Start from day 1 of hospitalization |
| Coverage | Available immediately without health questions or medical exams |
| Member Loyalty Accident Insurance | Available for members aged 18 or older |
| Benefits | Cash benefits paid for hospital stays, recuperation, emergency room visits, and loss of life |
| Spouse Membership | Free AAA membership for life for the spouse in case of primary member's demise |
| Travel Accident Insurance | Covers accidents during travel booked through AAA |
| Maximum Limit | $20 million per accident |
| Worry-Free Claims | AAA agents help handle paperwork for claims |
| Protection | Covers accidental loss of life, limbs, sight, speech, or hearing |
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What You'll Learn
AAA Member Loyalty Accident Insurance
AAA members can benefit from the AAA Member Loyalty Accident Insurance, which covers accidents that occur during travel. This includes when a member is a ticketed passenger on any licensed common carrier, such as a plane, train, bus, taxi, or rideshare, as well as during the process of boarding or disembarking. It also covers travel to and from the terminal and travel in a rental car or personal vehicle to and from an airport, station, or terminal.
The insurance provides protection for accidental injuries, including death, loss of limbs, eyesight, speech, or hearing. In the unfortunate event of a covered accident resulting in death, the member's spouse will receive a free AAA membership for life. The cash benefit amount is paid directly to the beneficiary, and members can collect benefits for more than one accident over their lifetime. There is a maximum limit of $20 million per accident.
The Member Loyalty Accident Insurance also includes an annual $375 to $1,500 emergency room and urgent care benefit for covered accidents. This is in addition to the cash benefits paid for hospital stays, recuperation, and emergency room visits. Coverage starts immediately and is effective worldwide.
AAA members can also save 5% on insurance policies and earn discounts by bundling their insurance.
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AAA Member Loyalty Travel Accident Insurance
The core benefits of this insurance policy include accidental death coverage of up to $300,000, dismemberment coverage of up to $300,000 for loss of limbs or eyesight, and benefits for loss of speech or hearing. Additionally, there is coverage for hospital stays, recuperation, and emergency room visits, with an annual benefit of $375 to $1,500 for urgent care. The coverage has a maximum limit of $20 million per accident.
For AAA members, this insurance provides worry-free claims handling and protection for unexpected events without the need for a separate policy. The coverage is built into the membership automatically at no extra cost. To file a claim, documentation such as medical records, death certificates, police reports, proof of travel purchases through AAA, and evidence of the accident are required.
The AAA Member Loyalty Accident Insurance program also includes additional benefits, such as a complimentary AAA membership for life for the spouse of the primary member in the unfortunate event of their covered accidental death. This insurance is designed to provide peace of mind and confidence while travelling, knowing that you and your family are protected.
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AAA Accident Insurance Benefits
AAA members can benefit from accident insurance, which covers unintentional injuries from accidents, a leading cause of death in America. This insurance is available exclusively to AAA members and offers guaranteed acceptance coverage for those aged 18 and above. It provides benefits for medical care and loss of life, with cash payments starting from the first day of hospitalization.
The Member Loyalty Accident Insurance provides 4-way accident protection, including cash benefits for hospital stays, recuperation, emergency room visits, and loss of life. Coverage is immediate and worldwide, with no health exams or medical questions required. The annual emergency room and urgent care benefit can provide up to $375 to $1,500 per day for a maximum of 365 days for covered accidents. This benefit is especially useful as ER visits can result in unexpected charges for each medical professional involved and every test performed.
In the unfortunate event of a covered accident resulting in the loss of life of a member, their spouse will receive a free AAA membership for life. Additionally, the cash benefit amount is paid directly to the beneficiary, and benefits can be collected for more than one accident over a lifetime.
AAA values the loyalty of its members and has designed its accident insurance to reward those with years of membership. The Premier benefit level, available to members who have been with AAA for five years or more, starts at $17 per month for individuals aged 18-69, with family coverage available for just $4 more per month. With affordable pricing and comprehensive coverage, AAA Accident Insurance provides valuable peace of mind for members and their families.
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AAA Accident Insurance Costs
Accident insurance is available exclusively to AAA members. It covers the costs of recovery or loss of life from a covered accident. Cash payments generally start from the first day of hospitalization, with no health questions or medical exams required.
The cost of AAA membership varies depending on where you live in the country. There may also be a one-time $15 sign-up fee. Different memberships come with different perks at each level. AAA sometimes offers sign-up deals, such as waiving the one-time sign-up fee and adding a second member for free.
The cost of AAA accident insurance depends on the level of coverage you choose. The Premier benefit level for AAA members starts at $17 per month for ages 18-69. You can cover your whole family for $4 more per month. This plan includes cash benefits paid for hospital stays, recuperation, emergency room visits, and loss of life.
AAA also provides car insurance. The average annual full-coverage auto insurance premium is $3,014, with estimates ranging from $2,346 to $3,840. Minimum coverage from AAA typically costs around $1,056 a year. AAA offers various discounts, such as a 20% discount for drivers with clean driving records and a 15.7% discount for insuring more than one vehicle.
AAA's insurance rates are about 26% higher than the national average. This may be due to its focus on customer service, as two AAA club companies were rated above average in J.D. Power's 2024 Claims Satisfaction Study.
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AAA Accident Insurance Claims
AAA members have access to exclusive accident insurance that covers the costs of recovery or loss of life from a covered accident. This insurance is available to members aged 18 or older, and there are no health exams or medical questions required to get coverage. The insurance provides cash benefits for hospital stays, recuperation, emergency room visits, and loss of life. Coverage starts immediately and is effective worldwide.
In the unfortunate event of a covered accident resulting in hospitalization, AAA accident insurance provides cash payments starting from day one. This can help cover the unexpected costs of a hospital stay, including any medically prescribed recuperation. Additionally, if an emergency room visit is required, there is an annual benefit of $375 to $1,500 to help with the potential charges for each doctor, nurse, or test.
For AAA members with comprehensive and collision coverage, AAA Accident Assist provides added benefits in the event of a crash that renders your vehicle undrivable. This service includes immediate initiation of your claim, dispatch of roadside assistance to tow your vehicle, scheduling repairs at a shop of your choice, and assistance with rental vehicle reservations covered by your insurance.
It is important to note that there may be circumstances and exclusions where the AAA accident insurance does not apply. Members are encouraged to carefully review the accident insurance exclusions outlined in the policy details. By understanding these exclusions, members can have confidence in their coverage and its limitations.
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Frequently asked questions
No, AAA's Member Loyalty Accident Insurance is not free. However, it does offer a range of benefits, including worldwide coverage, cash benefits, and no health exams or medical questions. The cost of this insurance starts at $17 per month for AAA members aged 18-69, with the option to cover your whole family for an additional $4 per month.
AAA's Member Loyalty Accident Insurance provides coverage for accidental injuries and death while travelling. It includes benefits for hospital stays, recuperation, emergency room visits, and loss of life, limbs, sight, speech, or hearing.
To make a claim, you or your beneficiaries will need to provide documentation, such as medical records, death certificates, police reports, and proof of travel purchases through AAA. A claims examiner will review the documentation and investigate the circumstances of the accident. If approved, the benefit amount will be paid via check.
