A word of advice for the traveller, don’t leave home without packing the most essential thing that often gets overlooked: your travel insurance. It’s either gonna safeguard you or let you in on a windfall of remuneration-it’s a win-win situation. Don’t hesitate to do the due diligence of purchasing a policy because the process involved may be a drag. You could be reaping its benefits by the end of your trip. AA travel insurance promises to give you the security and peace of mind that you need while embarking on your journey.
AA travel insurance provides coverage for any unexpected events that may occur during a travel, from loss of baggage to covering you for emergency medical expenses, they’ve got your needs covered. The AA (Automobile Association) is based in the UK and offers a range of insurance products. This article will explore the plans that they offer, their levels of cover and the extra covers one can add to get extra protection.
Levels of cover
The AA travel insurance plans offer different levels of cover categorised as Bronze, Silver, and Gold. Here’s what each level looks like:
| Bronze | Silver | Gold |
| This provides basic protection for essential events such as medical emergencies, trip cancellations, and lost or stolen luggage. It may also include coverage for personal liability and legal expenses. | This includes all of the benefits of the Bronze plan, as well as increased coverage limits for medical expenses, trip cancellation, and baggage. It may also include additional benefits such as travel delay, missed departure, and personal accident coverage. | This provides the highest level of protection and includes all of the benefits of the Bronze and Silver plans, as well as higher coverage limits for medical expenses, trip cancellation, and baggage. It may also include additional benefits such as golf cover, business cover, and cruise cover. |
Plans offered by the AA travel insurance
Single trip
This is the perfect policy for those that don’t travel frequently and are about to make the rare trip. You can customise this AA travel insurance to suit your needs. It includes:
- Extra benefits for AA members, with excess waiver and UK rehabilitation cover.
- Up to £15 million for medical emergency expenses.
- The emergency helpline is available 24/7 for you.
- Coverage for a trip of up to 186 days (age is a factor).
- Up to £5,000 per person for cancellation.
- Up to £25,000 for personal accidents.
You may add coverage for existing medical conditions when purchasing a policy.
Annual Multi-Trip
If you’re in the habit of taking multiple trips in a year, the AA travel insurance multi-trip policy could be of better value for you. You can get this policy tailored by adding covers to better suit your trips. The policy usually includes:
- Extra benefits for AA members, with excess waiver and UK rehabilitation cover. (only Silver and Gold cover)
- Up to £15 million for medical emergency expenses.
- The emergency helpline is available 24/7 for you.
- Coverage for multiple trips worldwide for up to 62 days each trip (age and location will factor in).
- Families and couples get special rates.
You may add coverage for existing medical conditions when purchasing a policy.
Optional extras: the cherry on top
Of course, no good policy is complete without optional extra covers. AA travel insurance gives you the choice to add these for an extra layer of protection:
- Winter Sports- stay safe on the slopes or have this as a backup when things go awry.
- Golf- Equipment can get expensive so make sure there’s backup in case you lose them.
The perks of partnering with AA travel insurance
The doctor is just a tap away when you choose AA travel insurance, so take a GP with you wherever you go! Finding a doctor and getting an appointment when you’re travelling abroad can be a hassle. After all, you already had plans when you made the trip and now you have to fit a doctor’s appointment into your schedule? Not if you have the Doctor Please! app.AA travel insurance has partnered with AXA to provide you with a free GP for any medical issues you may face.
No piece of information is complete without a list of features to persuade you. So, here they are:
- There is 24/7 access to a licensed English-speaking doctor globally
- Book an appointment and get help within the hour.
- Prescriptions will be sent through the app or to the nearest pharmacy.
- Download the Doctor Please! from Google Play or the App Store, register, update your details and you’re ready to go.
Conclusion
Getting insurance will shield you from certain unpredictable aspects of life and enable you to take proactive steps to right any wrongs. With AA travel insurance, there will be monetary security and peace of mind. There are certain instances when travel insurance won’t cover you so it’s best to go through every policy with a fine tooth comb. Policies don’t generally cover mishaps due to reckless behaviour, travelling against the advice of authorities, covers not mentioned in the plan, and so on. For more information on AA travel insurance, visit Tripcolumn.
Also Read : Avanti Travel Insurance | Tesco Travel Insurance | Admiral Travel Insurance | Coverwise Travel Insurance
FAQs
1. Can I purchase AA Travel Insurance I’m not a resident of the UK
No, you cannot. Their policies only cover UK residents.
2. Does AA travel insurance have personal liability coverage for holiday accommodation?
There is personal liability coverage for temporary rented holiday lodgings. If you own the properties overseas, there is no coverage.
3. Is sailing covered as an activity with AA insurance?
It depends. Saling is covered if you’re qualified but not racing. However, AA travel insurance does not cover personal liability for this.
