Orlando Harmon
AAA offers its members various insurance options and benefits, including auto, home, renters, pet, motorcycle, and RV insurance. Member Loyalty Accident Insurance is one such benefit, providing supplemental accident insurance exclusively to AAA members. This insurance covers transportation costs, hospital stays, recuperation, and loss of life, with cash benefits paid directly to the member or their beneficiary. Coverage is worldwide and effective immediately, with no health questions or medical exams required. AAA members can also save 5% on AAA auto insurance and enjoy benefits such as roadside assistance, travel discounts, and more.
| Characteristics | Values |
|---|---|
| Type of insurance | Supplemental insurance for accidents |
| Who is it for? | AAA members who have been members for 5+ years |
| What does it cover? | Transportation costs, hospital stays, recuperation, emergency room visits, loss of life |
| Cost | $17/month for ages 18-69, $21/month for family coverage |
| Benefits | Guaranteed acceptance, worldwide coverage, no medical exam required, loyalty discounts |
Explore related products
What You'll Learn
4-way accident protection—cash benefits paid for hospital stays, recuperation, emergency room visits, & even loss of life
AAA's Member Loyalty Accident Insurance provides 4-way accident protection, offering cash benefits for hospital stays, recuperation, emergency room visits, and even loss of life. This insurance is designed to provide financial peace of mind and assistance during challenging times.
In the unfortunate event of a covered accident, you or your beneficiaries will receive cash benefits to help with the financial burden of medical care and recovery. Specifically, AAA offers benefits of $375 to $1,500 per day for hospital stays, with a maximum of 365 days per occurrence, starting from the very first day of hospitalization. This coverage recognizes that accidents can result in lengthy and costly hospital stays, and aims to ease the financial strain during such difficult times.
Recognizing that recovery from a serious injury can be a lengthy process, AAA's Member Loyalty Accident Insurance also provides benefits of $375 to $1,500 per day for recuperation. This medically prescribed recuperation benefit is provided for the same number of days as the covered hospitalization, ensuring that members have the financial support they need during their recovery journey.
Additionally, the insurance covers emergency room visits, which can often result in unexpected and substantial expenses. The annual benefit for emergency room and urgent care can be up to $1,500 for a covered accident, helping to alleviate the financial worry associated with emergency medical care.
Lastly, the 4-way accident protection also includes benefits in the unfortunate event of loss of life due to a covered accident. This includes benefits such as bereavement counseling and a complimentary AAA membership for life for the spouse of the deceased primary member.
With its 4-way accident protection, AAA's Member Loyalty Accident Insurance offers comprehensive support for its members, ensuring that they receive the financial assistance they need during accidents, recovery, and even in the unfortunate event of a loss of life.
Traveling to Europe: Will My US Health Insurance Work?
You may want to see also
Explore related products
AAA member eligibility
AAA membership offers a range of benefits, including roadside assistance, travel and entertainment savings, and auto repair discounts. AAA members who have been part of AAA for five years or more are eligible for the PREMIER benefits level, which includes accident insurance that covers hospital stays, emergency room visits, and recuperation, in addition to accidental death coverage. This insurance provides benefits of $375 to $1,500 per day for a maximum of 365 days per occurrence from the first day of hospitalization due to a covered accident.
The AAA accident insurance policy is designed to provide financial assistance in the event of an accident, including transportation-related costs, hospital stays, and coverage for time away from work during recuperation. This insurance starts at $17 per month for individuals aged 18-69, with family coverage available for an additional $4 per month.
To be eligible for AAA membership, individuals must enrol and pay the membership fees. AAA offers different plans, such as the Essential plan, which is included at no additional cost, and the PREMIER plan, which is available to members who have been with AAA for five or more years. Members can renew their membership up to 45 days before their expiration date, and membership is valid for one year.
AAA members can also add household members to their account at a discounted rate, and the membership will cover them in any vehicle, whether owned, leased, or borrowed. This includes family members, who can be added to the plan at a reduced cost. AAA membership provides peace of mind, knowing that assistance is available 24/7, whether it's for towing, jump starts, tire changes, or emergency fuel delivery.
In addition to the accident insurance and roadside assistance benefits, AAA members also have access to exclusive discounts and services, such as free car seat inspections, discounts on labour costs at AAA-owned or approved auto repair centres, and savings on electric vehicle charging at EVgo fast-charging stations nationwide. AAA membership also provides access to bicycle roadside assistance and savings on products from select retailers. Overall, AAA membership offers a comprehensive package of benefits designed to provide peace of mind, convenience, and savings for individuals and their families.
Medical Malpractice Insurance: Agent's Cost and Benefits
You may want to see also
Explore related products
Cost
AAA's Member Loyalty Accident Insurance offers guaranteed acceptance coverage for AAA members, providing benefits in the event of loss of life and medical care costs resulting from covered accidents. While the exact cost of this insurance is not publicly available, AAA provides potential customers with free quotes upon request.
The cost of AAA membership is not included in the purchase of AAA insurance. AAA membership provides access to a range of benefits, including roadside assistance, travel discounts, and more. AAA members can also save money by bundling their auto and home insurance policies, as well as receiving a 5% discount on AAA insurance.
The Premier Membership plan, which is available for an additional cost, offers enhanced travel coverage, including financial protection for lost luggage, travel delays, and cancellations through Allianz Global Assistance. AAA members can also add family members to their plan at a reduced cost, with the option to purchase an Associate Membership for students at a discounted rate if they share the same residential address.
The cost of AAA's Member Loyalty Accident Insurance is likely influenced by factors such as the age of the insured, the level of coverage selected, and the specific benefits included. According to a user on Reddit who received a Member Loyalty offer, the insurance starts at $19 per month for family coverage. AAA's website also mentions a Premier benefit level starting at $17 per month for individuals aged 18-69, with the option to cover a family for an additional $4 per month.
It is important to note that the cost of insurance can vary based on individual circumstances and the specific coverage options chosen. Therefore, it is recommended to contact AAA directly to obtain a personalized quote and understand the full range of benefits offered by their Member Loyalty Accident Insurance.
Understanding Medical Equipment Insurance Coverage Caps
You may want to see also
Explore related products
Exclusions
While AAA's Member Loyalty Accident Insurance provides coverage for hospital stays, recuperation, emergency room visits, and loss of life, there are certain exclusions and circumstances that the insurance does not cover.
One key exclusion is that the insurance is only available to AAA members. This means that individuals who are not AAA members are not eligible for the Member Loyalty Accident Insurance coverage.
Additionally, the insurance specifically covers accidents and unintentional injuries. Therefore, any intentional or self-inflicted injuries are likely excluded from coverage.
The insurance also has specific coverage limits. For example, there is a maximum benefit amount of $375 to $1,500 per day for hospitalization due to a covered accident, and this benefit is available for a maximum of 365 days per occurrence. There may also be exclusions or limitations on the types of medical expenses covered during hospitalization and recuperation.
Furthermore, the insurance is intended to provide financial protection during travel, including local and international trips. However, it is important to note that AAA Membership does not include rental car insurance. While AAA Members may get exclusive perks when renting a car, such as the AAA low-price guarantee, additional coverage may be needed for rental cars.
Finally, it is important to carefully review the specific terms and conditions of the Member Loyalty Accident Insurance policy, as there may be other exclusions or limitations not explicitly mentioned here. Understanding the full scope of coverage and any potential gaps is essential for making informed decisions about insurance protection.
Dropped by Your Health Insurer: What Now?
You may want to see also
Explore related products
AAA travel accident insurance
AAA offers its members travel accident insurance, providing financial protection for unexpected events while travelling, from lost luggage to travel delays and cancellations. This insurance covers both local and international travel, and provides peace of mind for you and your family.
AAA's travel accident insurance includes two primary plans, covering a broad scope of expenses. These include medical bills, funeral expenses and mortgage payments. This insurance provides guaranteed acceptance coverage for AAA members with benefits for loss of life and medical care. It covers transportation costs, hospital stays, and money for when you are released from the hospital but are not yet able to work. There are also cash benefits paid for emergency room visits, and recuperation periods.
AAA members are also eligible for the Premier benefits level, which includes benefits of $375 to $1,500 per day for a maximum of 365 days per occurrence from the first day of hospitalization due to a covered accident. Another $375 to $1,500 per day in benefits is paid to help the AAA member recuperate from a covered accident. This insurance also covers the whole family for an additional $4 per month.
AAA members also save 5% on AAA auto insurance, and there are discounts available for bundling auto and home insurance policies.
Commercial Insurance Medical: Understanding the Basics
You may want to see also
Frequently asked questions
Member Loyalty Accident Insurance is supplemental insurance offered exclusively to AAA members. It covers transportation-related costs, hospital stays, recuperation, emergency room visits, and even money for when you're released from the hospital/medical care but are not able to work.
Member Loyalty Accident Insurance offers guaranteed acceptance coverage for AAA members with benefits for loss of life and medical care. Cash benefits are paid directly to the beneficiary from day 1 of hospitalization. Coverage is available worldwide with no health questions or medical exam required.
The top-tier Premier benefit level for AAA members starts at only $17 per month for ages 18-69. You can cover your whole family for $4 more per month.
AAA members enjoy a range of benefits, including roadside assistance, travel discounts, insurance discounts, and more. AAA also offers different types of insurance coverage, such as pet insurance, motorcycle coverage, RV insurance, and travel accident insurance.
