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AA travel insurance review

Read Which?'s expert review of AA's travel insurance. Find out how we rate AA's policy and how it compares to dozens of other travel insurance providers

In this article
AA travel insurance overview How good is AA travel insurance? Should you buy AA travel insurance?
Is AA's travel insurance coronavirus proof? AA travel insurance: how can I claim? Get top money-saving tips with Which?

AA travel insurance overview

The AA started in 1905 as a small group of motoring enthusiasts who came together to warn other drivers about speed traps. It now offers a wide variety of financial products, including travel insurance, credit cards and mortgages.

AA’s travel insurance policy is underwritten by Axa Insurance UK plc.

Find out more: the best and worst travel insurance

How good is AA travel insurance?

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

AA Bronze Annual and single-trip 62 days (annual) / 186 days (single) 79 years (annual) / No age limit (single) Logged out score Superior
AA Silver Annual and single-trip 62 days (annual) / 186 days (single) 79 years (annual) / No age limit (single) Logged out score Superior
AA Gold Annual and single-trip 62 days (annual) / 186 days (single) 79 years (annual) / No age limit (single) Logged out score Superior

 

 How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy AA travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score. Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of AA's travel insurance rated

   

Bronze

Silver

Gold

Weighting Policy element Details Rating Details Rating Details Rating
Most Important Medical expenses - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Medical repatriation - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

Is AA's travel insurance coronavirus proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically, we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation or having to cancel because of government advice.

We've rated insurers' coronavirus cover and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews

AA travel insurance: how can I claim?

For emergency medical assistance call from abroad  +44 (0)147 335 6274.

To make a claim, call 0330 058 2991.

If you need to cancel your trip, you should contact your travel agent and/or airline about refunds or rebooking before contacting your insurer.

You'll need your policy document when you call.

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