Travel insurance is designed to cover any unexpected expenses that occur whilst on your holiday. Travel insurance can cover medical and repatriation expenses as well as lost baggage and travel disruption.
In this article, we take a look at AA Travel Insurance including what it covers and how much it costs. We recommend that you read the review in full but you can jump to specific sections of the article using the following links.
- What is AA travel insurance?
- AA travel insurance key features
- AA travel insurance policies
- What does AA travel insurance cover?
- Does AA travel insurance cover covid-19?
- Does AA travel insurance cover pre-existing medical conditions?
- AA travel insurance policy exclusions
- How much does AA travel insurance cost?
- AA travel insurance policy excess
- How to claim on AA travel insurance
- AA travel insurance customer reviews
- AA travel insurance pros and cons
- AA travel insurance alternatives
- Summary
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What is AA travel insurance?
The AA is best known for its breakdown cover however it also offers travel, car, and home insurance policies to its customers. AA Travel Insurance offers single and annual multi-trip travel insurance policies as well as cover for winter sports and golf trips. AA travel insurance is a brand name of Automobile Association Insurance Services Limited but the travel insurance policies are underwritten by Inter Partner Assistance SA.
AA travel insurance key features
- Single and annual multi-trip travel insurance policies
- 10% off when you buy direct online
- Additional benefits for AA members (including no policy excess on some policies)
- Emergency medical expenses cover up to £15 million
- Winter sports and golf cover
- Cruise cover included as standard
- 24/7 worldwide access to the Doctor Please! app which provides free GP support
- 5-star Defaqto rating for some of its policies
AA travel insurance policies
Below, we explain the differences between the types of AA travel insurance.
AA single trip travel insurance
AA’s single trip travel insurance policy is designed to cover a single trip up to 186 days. Single trip travel insurance is good if you are only planning on going away on one or two holidays in a year. If you are planning to go away on two or more holidays a year then you may wish to consider AA’s annual multi-trip travel insurance.
AA annual multi-trip travel insurance
Annual multi-trip travel insurance is designed to cover you for more than one trip in a year and it can be more cost-effective than multiple single trip travel insurance policies. AA's annual multi-trip travel insurance will cover you for multiple trips around the world for up to 62 days per trip but exactly how long you are covered for will vary depending on where you are travelling to and your age.
What does AA travel insurance cover?
In the below comparison table we compare the different levels of cover available when you purchase AA travel insurance.
| Bronze | Silver | Gold | |
| Excess |
£150 |
£80 | £50 |
| Emergency medical expenses | £5m | £10m | £15m |
| Death due to personal accident | N/A | £15,000 (£2,000 if over 65 and under 16) | £25,000 (£2,000 if over 65 and under 16) |
| Loss of limbs/sight due to personal accident | N/A | £15,000 (no cover if over 65) | £25,000 (no cover if over 65) |
| Permanent disablement due to personal accident | N/A | £15,000 (no cover if over 65) | £25,000 (no cover if over 65) |
| Cancellation/Curtailment | £1,000 | £3,000 | £5,000 |
| Lost or stolen baggage | £500 | £1,500 | £2,500 |
| Delayed arrival | N/A | Max £100 (min delay period) | Max £100 (min delay period) |
| Missed departure | £500 | £750 | £1,000 |
| Travel disruption | N/A | £3,000 | £5,000 |
| Personal money & documents | £225 | £300 | £500 |
| Personal liability | £1m | £2m | £2m |
Optional extras
AA winter sports travel insurance
Winter sports travel cover is an additional extra that can be added to your single trip or annual multi-trip AA travel insurance policy. Winter sports travel insurance will ensure you are covered for winter sports activities such as skiing and snowboarding. You may also get additional cover for lost or damaged equipment up to £1,000 per person.
AA golf travel insurance
You can add AA's golf travel cover to your single and annual multi-trip AA travel insurance policy. This will cover you for loss, theft or damage to your golf equipment (including golf clubs) and you may also be covered for any green fees that you have paid if you need to cancel or cut short your trip. These benefits come as an addition to the standard benefits included with your single or multi-trip travel insurance policy which includes cover for emergency medical care and cancellation.
Does AA travel insurance cover Covid-19?
AA travel insurance covers you for coronavirus but there are some limits to the level of cover you can expect. You need to ensure that you read your policy documents carefully to understand exactly what you are covered for before you travel. Below we briefly summarise the coronavirus cover you can expect with an AA travel insurance policy.
With an AA travel insurance policy you can expect to be covered for the following coronavirus-related claims:
- Medical claims if you fall ill with Covid-19 whilst you are away
- Cancellation if you or a member of your household are unable to travel and have to self-isolate due to Covid-19
- Cancellation if a family member you are due to stay with has to self-isolate due to Covid-19 and you have no other place to stay
- If you are denied boarding at the airport due to symptoms of Covid-19
It is worth noting that you will not be covered if you are travelling against Foreign, Commonwealth and Development Office (FCDO) advice or if you purchased a travel insurance policy or booked a trip whilst government restrictions were in place and they are still in place when you are travelling. In addition, you will not be able to cancel your trip if there are cases of Covid-19 where you are staying or travelling to and you decide that you no longer want to travel.
Does AA travel insurance cover pre-existing medical conditions?
The AA says it will try to insure some pre-existing medical conditions as long as you complete the online medical screening form and notify the AA of these conditions before you travel. Failure to notify the AA of these conditions could mean a claim will not be paid. If the AA is unable to insure your pre-existing medical condition then you may need to seek cover with specialist insurance and a list of these insurers can be found on the Money Helper website.
It is worth noting that should your health change or a medical condition arises since taking out your travel insurance policy but prior to travelling, you will need to notify the AA to ensure that your travel insurance cover has not been affected.
AA travel insurance policy exclusions
In this section of the review, we take a look at some of the general policy exclusions on an AA travel insurance policy. This list is not extensive so you will need to check your policy documents carefully to ensure you know exactly what you are and are not covered for.
An AA travel insurance policy will not typically cover you for the following:
- The policy excess
- If you have chosen to travel against the advice of a medical professional or if a medical professional has suggested that it was unsafe to travel even if you did not seek the advice of such professional and then need to make a claim
- Travel against FCDO advice
- Any claim related to a sport that is not covered by the policy
Is there an age limit on AA travel insurance policies?
There is no age limit on AA's single trip travel insurance policies but only those aged up to 79 years old can buy an AA annual multi-trip travel insurance policy. For those aged 80 and above it is only possible to purchase a single trip travel insurance policy.
How much does AA travel insurance cost?
In this section of the review, we take a look at the cost of AA travel insurance policies. The following quotes are based on an individual travelling to Europe (Spain) for 7 nights with no underlying health conditions. We have compared the cost of different ages so that you can see how age impacts the cost of a travel insurance policy.
AA single trip travel insurance policy cost comparison
| Bronze | Silver | Gold | |
| Excess^ | £150 | £80 | £50 |
| Emergency medical expenses | £5m | £10m | £15m |
| Cancellation/curtailment | £1,000 | £3,000 | £5,000 |
| Lost or stolen baggage | £500 | £1,500 | £2,500 |
| Individual trip limit | Up to 186 days (age dependent) | Up to 186 days (age dependent) | Up to 186 days (age dependent) |
| European single trip (20-year-old) | £24.83 | £31.74 | £52.43 |
| European single trip (30-year-old) | £21.43 | £27.97 | £47.71 |
| European single trip (40-year-old) | £22.56 | £28.63 | £46.78 |
| European single trip (50-year-old) | £23.44 | £28.14 | £41.71 |
| European single trip (60-year-old) | £28.45 | £32.21 | £42.37 |
| European single trip (70-year-old) | £39.82 | £43.20 | £51.53 |
^Excess is waived for Silver and Gold AA members (if a member prior to opening the policy)
(Quotes correct as of 01/02/24)
AA annual multi-trip travel insurance policy cost comparison
| Bronze | Silver | Gold | |
| Excess^ | £150 | £80 | £50 |
| Emergency medical expenses | £5m | £10m | £15m |
| Cancellation/curtailment | £1,000 | £3,000 | £5,000 |
| Lost or stolen baggage | £500 | £1,500 | £2,500 |
| Individual trip limit | Up to 62 days (age dependant) | Up to 62 days (age dependant) | Up to 62 days (age dependant) |
| European annual multi-trip (20-year-old) | £32.71 | £42.17 | £51.53 |
| European annual multi-trip (30-year-old) | £26.76 | £35.72 | £44.16 |
| European annual multi-trip (40-year-old) | £28.90 | £38.05 | £46.40 |
| European annual multi-trip (50-year-old) | £34.80 | £45.71 | £55.18 |
| European annual multi-trip (60-year-old) | £51.88 | £65.78 | £77.75 |
| European annual multi-trip (70-year-old) | £102.24 | £122.44 | £140.30 |
^Excess is waived for Silver and Gold AA members (if a member prior to opening the policy)
(Quotes correct as of 01/02/24)
AA travel insurance policy excess
The excess on an AA travel insurance policy is £150 for Bronze AA travel insurance policyholders, £80 for AA Silver travel insurance members and £50 for AA Gold travel insurance members.
The policy excess is payable per person but if more than one person insured on a policy is making a claim it will be limited to 2 excess amounts.
If you are an existing AA member and take out a Silver or Gold travel insurance policy the excess will be waived if you make a claim.
How to claim on AA travel insurance
If you need to make a claim on your AA travel insurance policy then you can call 0330 1235 751. If you are abroad and require emergency medical assistance, call +44 (0)330 1235 751.
AA Travel Insurance says that you need to contact your travel provider or tour operator before making a cancellation claim to see if they can help you move your trip to a different date or provide you with a full refund. If your travel provider or tour operator cannot help you with this then you can call the AA to make a claim.
AA travel insurance customer reviews
AA insurance has a rating of 4.3 out of 5.0 stars on consumer review website Trustpilot from over 22,000 reviews. The reviews include AA insurances as a whole and are not specific to travel insurance. 65% of AA insurance customers have rated it as excellent and 11% rate it as bad.
Some of the reviews that rate AA's travel insurance policies state that they were happy with the underwriters of the policy and the policy cost. Others complain about lengthy claims processes and problems with the receipt of evidence of claims. As with all insurance policies, it is essential that you do your own research to ensure that you are getting the best cover for your needs.
AA travel insurance pros and cons
AA travel insurance pros
- 10% off when you buy online
- No excess for existing AA members on a silver or gold policy
- 5 star Defaqto rating for some policies
- No age limit on single-trip policies
- Access to free worldwide GP support app
AA travel insurance cons
- No personal accident cover for bronze policyholders
- Upper age limit on an annual multi-trip policy
- Cruises covered as standard although does not cover additional extras such as missed port departure or cabin confinement
Alternatives to AA travel insurance
In this section of the review, we compare AA travel insurance to its competitors. We compare the cost of the most comprehensive travel insurance policies with each of the providers and for the purpose of the quotes, we compare the cost for a 30-year-old individual with no underlying health conditions on a 7-night single trip to Europe.
For more information read our Post Office and Staysure* travel insurance reviews.
You may also wish to compare travel insurance policies with a comparison site such as Quotezone* or MoneySuperMarket*. This allows you to compare a range of travel insurance providers and find the cheapest policy quote for your needs. However, it is worth noting that not all comparison sites are whole of market so you may find a better deal elsewhere with another provider.
AA travel insurance vs Post Office travel insurance
The excess on the most comprehensive AA and Post Office travel insurance policies is £50 but this is waived with the AA if you are an existing AA member. With the AA gold travel insurance policy you get up to £15 million emergency medical cover compared to only £10 million with the Post Office. The cancellation cover with both policies is the same at £5,000 and you get an additional £500 baggage cover with the Post Office.
There is an individual trip limit of 365 days with a Post Office premier single trip policy compared to the 186-day individual trip limit with AA travel insurance. The trip limits are based on the quotes for a 30-year-old individual and therefore may reduce with age. Both the AA and Post Office travel insurance policies cover coronavirus-related claims but exactly what you are covered for will be detailed in your policy document so be sure to check these carefully.
In the below comparison table, we compare the policy cost of the AA and post office travel insurance policies.
AA travel insurance vs Post Office travel insurance policy cost comparison
| AA | Post Office | |
| Policy name | Gold | Premier |
| Excess | £50^ | £50 |
| Emergency Medical cover | £15m | £10m |
| Cancellation cover | £5,000 | £5,000 |
| Baggage | £2,500 | £3,000 |
| 7 night single trip policy cost to Europe (30-year-old individual) | £47.71 | £44.42 |
^waived for AA members
(Quotes correct as of 01/02/24)
AA travel insurance vs Staysure travel insurance
The excess is low for both the AA and Staysure* travel insurance policies but if you are an existing AA member then the excess is waived on the Gold policy when you claim. You get unlimited emergency medical cover with Staysure compared to the £15 million cover you get with the AA gold policy. The amount of emergency medical cover you have is something to consider especially if you are travelling to a country that has high medical care costs.
The most obvious difference between the AA travel insurance policy and Staysure's travel insurance policy is the policy cost. As per the comparison table below, it is possible to get more emergency medical cover with Staysure's travel insurance policy but at a lower cost than the AA Gold policy.
There is no maximum age limit on a single trip travel insurance policy with either the AA or Staysure. The maximum single trip limit on a AA Gold travel insurance policy is 186 days compared to 104 days with Staysure*. The maximum single trip limit is likely to reduce depending on the age of the traveller.
AA travel insurance vs Staysure travel insurance policy cost comparison
| AA | Staysure* | |
| Policy name | Gold | Signature |
| Excess | £50^ | £0 |
| Emergency Medical cover | £15m | Unlimited |
| Cancellation cover | £5,000 | £10,000 |
| Baggage | £2,500 | £5,000 |
| 7 night single trip policy cost to Europe (30-year-old individual) | £47.71 | £34.99 |
^waived for AA members
(Quotes correct as of 01/02/24)
Summary
Overall AA travel insurance offers a good range of cover for travellers. It may be particularly appealing if you are an existing AA member as there are additional benefits such as no excess on claims, depending on the policy you choose.
As there is no upper age limit on the AA's single trip policy it also makes AA travel insurance a good option for those over the age of 65. As with all travel insurance policies, it is important to do your research and read any policy documents carefully so you know exactly what you are covered for and that the policy meets your needs.
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