Travel insurance

10% off when you buy direct online

Plus AA members pay no excess when making a claim*

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Win back your premium

Buy travel insurance today and you'll be entered into our weekly prize draw

What's covered?

Annual multi-trip

Cover for all your trips over the year, up to 62 days at a time

Cover for all your trips over the year, up to 62 days at a time

  • Personal accident cover up to £25,000 per trip
  • Cancellation cover up to £5,000 per person per trip
  • Cover for all the trips you take, up to 62 days each
  • Emergency assistance 24/7, 365 days a year
  • Medical expenses up to £15 million
  • Free access to GP support while abroad

Single trip

Cover for one trip lasting up to 186 days

Cover for one trip lasting up to 186 days

  • Personal accident cover up to £25,000
  • Cancellation cover up to £5,000 per person
  • Emergency assistance 24/7, 365 days a year
  • Medical expenses up to £15 million
  • Free access to GP support while abroad

Take a doctor when you travel

Finding and booking a doctor when you're abroad can be a real hassle.

But with AA Travel Insurance, in partnership with AXA, you’ll have free GP support and advice through the Doctor Please! app. So you can relax and enjoy your travels.
  • 24/7 worldwide access to a licensed English-speaking doctor.
  • Book an appointment and get help within an hour.
  • Prescriptions sent via the app or to the nearest pharmacy.

    Just download the Doctor Please! app before you leave.

    • Download from Google Play or the App Store
    • Register your activation code
    • Update your personal details
    • Add any eligible family members included on your policy1
    • You're ready to book
AA Travel Insurance Doctor Please!
If you can't find affordable travel insurance for your medical conditions, Money Helper has a service to help you.

FAQs

Your personal travel cover

Can I purchase AA Travel Insurance if I don't live in the UK?

No. The policy only covers UK residents, so non-UK residents are not covered. The UK is defined as England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands.

Do you have personal liability cover for holiday accommodation?

Personal liability cover is included for temporary rented holiday accommodation, but not if you own the overseas property, or you have the property on any other type of hire.

Is terrorism covered?

Terrorism is covered providing it wasn't already taking place at the beginning of your trip, at the time of purchasing your policy, or when booking your holiday, whichever is the later.

Are the benefits per person?

The benefits are per person unless otherwise stated.

When does the delayed baggage benefit come into force?

If your baggage is delayed for more than 12 hours after your arrival overseas at your final destination, there is cover up to £300 to replace essential items of toiletries, medication and clothing.

If your property is lost permanently, any payment made under delayed baggage will be deducted from the eventual claim for loss, damage or theft.

Am I covered to work or study in Europe?

We cover some types of manual work, but there's no cover for professional entertaining. Study overseas can be covered but doesn't include any professional liability cover or any excluded activity.



Sports and activities

Is sailing covered as an activity?

Sailing is covered providing you're qualified and you're not racing. We don’t cover personal liability for this activity.

Is there cover for water sports?

Jet boating and powerboating are covered as standard, so long as you're not racing or competing.

For an additional premium we can cover:

  • High diving, as long as its amateur only and not the main purpose of the trip.
  • Scuba diving and mixed gas diving to 40 metres, as long as you're a qualified scuba diver or accompanied by qualified instructor, and not diving alone or involved in cave diving.

There's no cover for motorboats or diving with sharks.

Is cross-country skiing covered?

Pleasure skiing of this type is covered providing you've purchased winter sports and hazardous activities for an additional premium.

What happens if I get hurt while skiing, and I haven't taken out winter sports cover?

You won't be covered for medical costs. Winter sports cover doesn't just add on the specific winter sports (see the policy booklet). It's excluded from all sections of the policy, unless your policy schedule shows that you've bought winter sports cover.

Do I need winter sports cover for ice hockey?

Yes, you do. We can also cover field hockey for an additional premium.



Your health

What if I'm not sure if my medical needs are covered?

Please call us on 0808 169 1195 and we can discuss your medical conditions.


Policy documents

Travel insurance policy documents

Please read all of the information relating to your policy before you buy AA Travel Insurance.

Policies ending with PF or PN (Bronze, Silver and Gold cover levels)

Purchased from 3 April 2023

Policies starting with PF or PN (Bronze, Silver and Gold cover levels)

Purchased between 4 January 2022 and 2 April 2023

Purchased between 22 July 2021 and 3 January 2022



Policies ending with PA (Bronze Essentials, Silver Essentials, Gold Essentials cover levels)

Purchased from 3 April 2023

Policies starting with PA (Bronze Essentials, Silver Essentials, Gold Essentials cover levels)

Purchased between 4 January 2022 and 2 April 2023

Purchased between 22 July 2021 and 3 January 2022



Backpacker policies (Bronze Essentials, Silver Essentials, Gold Essentials cover levels)

Purchased from 3 April 2023

Purchased between 22 July 2021 and 2 April 2023



How to claim

Booking claims

Before you make a new claim, please contact your travel provider or tour operator first. They may be able to move your trip to a different date or provide you with a refund.

If the travel provider or tour operator can't resolve your particular request, you can still make a claim on your policy.


Contact us to make a claim

You can find our contact details below.

Have your policy document and any other necessary documentation ready when you call.

We'll explain how to make a claim, and give an indication of cover for your claim.


What you need to do to make a claim

Do you need to cancel your holiday?

  • Medical reasons First, seek advice from a doctor for them to confirm whether it's medically necessary to cancel. This can be either a phone consultation or an appointment at the surgery.

For all other reasons, call our claims team as soon as you're aware you may need to cancel. Cancellation charges increase the closer you get to the departure date for your holiday. The claims team will tell you what information is needed to claim, and whether your circumstances are covered.



Do you need to cut your holiday short?

  • Because of a medical condition You should contact the Emergency Medical Assistance Service on +44 (0)147 335 6274.
  • Because of illness, injury or death of a close relative We'll need confirmation of their condition from their doctor. We'll also ask for clarification as to whether their health was stable at the time of booking your holiday and taking out your travel insurance. Call our claims team as soon as you return home and they'll tell you what information is needed to claim, and whether your circumstances are covered.


Has something happened to your belongings or baggage?

  • If you suffer a theft on holiday you should report the matter to the local police and get a written report from them. A crime has been committed so you need to report it and we will ask for the written police report when you make your claim.
  • If you lose something while on holiday, consider where you may have lost it and anywhere it could have been handed in. Report it to any party or place where you think it might have gone missing and get a record in writing. This will help with your claim.
  • If anything happens to your luggage while it's checked in, you must report it to the airline and get a Property Irregularity Report (PIR). Try to do this while you're at the airport, or as soon as possible if you notice the problem after you've already left. If you want to claim from the airline directly, they may need you to follow up in writing within 7 days. You should check with them what their requirements are.
  • If your baggage is delayed on your outbound flight for more than 12 hours, we cover for your replacement of emergency items such as clothes, toiletries and medication up to the limit in the policy. You should retain the receipts for all of your purchases. This is because we only cover items where a receipt is provided.

Call our claims team as soon as you can after you return home. They can tell you what other information is needed to claim.



Have you lost your passport or essential travel documents?

  • If your passport or other essential travel documents are lost or stolen during your trip, you should report the matter to the police or consulate as soon as possible. You'll need proof of the incident to make your claim.
  • You should also get replacement or temporary documents as soon as possible, so you can return home without disruption to your plans.

Call our claims team as soon as you can after you return home. They can tell you what other information is needed to claim.



Have you had an accident or been taken ill abroad?

Call our Emergency Medical Assistance Service as soon as you can.

You can find our contact details below.

  • If you're looking for outpatient treatment only, you should call before you have the treatment. They'll be able to direct you to the best place for your care.
  • Keep all receipts, invoices and reports that you are given. These will help you when you come to submit your claim.
  • If public treatment is available, you should take this option for your treatment. If you are offered a choice between a public or private treatment and you opt for private treatment, we may not cover your claim.

Call our claims team as soon as you can after you return home. They can tell you what other information is needed to claim.

Just so you know, Silver and Gold cover also provide a hospital benefit for any inpatient stay over 24 hours.



Did you experience a travel delay or enforced stay, travel disruption or missed departure?

  • Get confirmation of the reason and length of the disruption from the provider. We can't consider your claim without this.
  • If you're claiming additional costs rather than a fixed benefit, keep all receipts.

Call our claims team as soon as you can after you return home. They can tell you what other information is needed to claim.


The information you need to make a claim

For all claims, you'll need an original booking invoice for your holiday showing dates of travel.

For other claims, you'll also need the information below.

Cancellation claims

  • Original cancellation invoices from tour operator and travel agent.
  • For other pre-paid trip costs we will require proof of purchase, and where appropriate, confirmation of any refunds given.
  • Proof of reason for cancellation when reason is not medical (for medical reasons we will send you a medical certificate for completion).

Cutting short a trip

  • Documentary evidence showing the reason for cutting your trip short.
  • Evidence of additional expenses incurred in getting you home early.

Emergency Medical expenses

  • Original bills for all expenses claimed for.
  • Medical report showing diagnosis of condition. We may send you a medical certificate for your doctor to complete.

Baggage loss or theft

  • Household insurance details.
  • Property Irregularity Report if the loss or damage was in the care of an airline, during transit. Or a police report for theft, or third party report for loss.
  • Proof of ownership, such as an invoice, receipt, bank statement, photo or similar evidence.
  • Repair report that confirms whether the item can be repaired or not and if so how much it will cost.

Delayed baggage

  • Household insurance details.
  • Property Irregularity Report if loss or damage or delay was in the care of an airline, during transit. Or police report for theft, or third party report for loss.
  • Proof of ownership, such as an invoice, receipt, bank statement, photo or similar evidence.
  • A letter from the airline, or other proof that confirms the time and date the baggage was returned.
  • Receipts for your emergency replacement purchases.

Passport loss or theft

  • Household insurance details.
  • Property Irregularity Report if loss or damage was in the care of an airline, during transit. Or police report for theft, or third party report for loss.
  • Proof of ownership, such as a receipt.
  • Receipt for the emergency passport.
  • Evidence of travel and accommodation costs incurred in obtaining the emergency passport.

Delayed arrival or travel disruption

  • Evidence of the flight number, date and time of scheduled departure and actual date and time of departure.
  • Proof of reason for delay.

Missed departure or travel disruption

  • Proof of what caused the missed departure. For instance, a public transport delay could be a vehicle breakdown or strikes.
  • Original receipts for additional transport and accommodation costs incurred.

Good to know

* To qualify for these additional Member benefits you must be an AA Member at the time of purchasing the policy. The benefits are not available for the Bronze level of travel insurance.

1 You can add any eligible family members included on your AA membership if they are under 18 years old. Over 18s need to register separately, but can use the same activation code.


Fairer Finance is a research and ratings agency that looks to help consumers make more informed decisions, and which encourages financial services businesses to compete on more than price. The Star Ratings are designed to give customers an idea of the quality of a product they're thinking about buying.

AA Travel Insurance is a trading style of Automobile Association Insurance Services Limited (AAIS). AAIS is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

AA Travel Insurance policies are underwritten by Inter Partner Assistance SA.

Inter Partner Assistance SA is authorised and regulated by the National Bank of Belgium, with a registered head office at Boulevard du Régent 7, 1000 Brussels, Belgium. Authorised by the Prudential Regulation Authority (firm reference number 202664), and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

The UK branch office address of Inter Partner Assistance SA is 106–118 Station Road, Redhill RH1 1PR. Inter Partner Assistance SA is part of the AXA Group.

Win back your travel insurance premium – prize draw terms and conditions
1. The Prize
 
1.1 You could win back the cost of your travel insurance premium in this free prize draw.

1.2 Each winner will win only one prize, and 13 prizes are available overall.
2. The Promoter
 
1.1 Automobile Association Insurance Service Limited, Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA (the AA)
3. How to participate in the free prize draw
 
3.1 On purchase of an AA Travel Insurance policy via theaa.com or the call centre you'll be automatically entered into the free prize draw based on the purchase date of your policy.

3.2 We'll use the personal information provided in your AA Travel Insurance policy to enter you into the weekly prize draw based on the start date of your policy. One entry will be made in the policyholder's name for each new policy.

3.3 The winners will be chosen at random via an automated process.

3.4 By entering this free prize draw you accept these terms and conditions.
4. Prize draw start date
 
4.1 Each weekly free prize draw will start at 12:01am on the Monday of the week.
5. Prize draw end date
 
5.1 Each weekly free prize draw will close at 11:59pm on the Sunday of the week. The free prize draw runs from 2 January 2024 until 31 March 2024 inclusive.
6. Eligibility to participate in the prize draw
 
6.1 The free prize draw is only open to purchasers of an AA Travel Insurance policy via theaa.com or the call centre.

6.2 Each winner will be sent a cheque within 10 days of the prize draw taking place.

6.3 The following are not eligible to enter the free prize draw:

 6.3.1 Employees of the AA or its holding subsidiary companies.

 6.3.2 Employees of agents or suppliers of the AA or its holding companies, who are professionally connected with the prize draw or its administration.

 6.3.3 Members of the immediate families of the employees identified in 6.3.1 and 6.3.2 above.

6.4 By entering the free prize draw, you confirm that you're eligible to do so and claim the prize or any prize you may win. The AA may require you to provide proof.

6.5 Entries not in accordance with these terms and conditions will be excluded.

6.6 Entries which are received either after the closing date and time, incomplete, misspelled, inaudible, incomprehensible or not otherwise in accordance with the instructions given by the AA, are not acceptable and won't be entered into the free prize draw.

6.7 The AA accepts no responsibility for entries not completed or submitted due to a technical fault of any kind, such as a technical malfunction, computer hardware or software failure, satellite, network or server failure. If for any reason a technical interruption, fault or site failure occurs when purchasing online, the AA accepts no responsibility for incomplete purchases, and any incomplete purchases won't be considered valid for entry into the prize draw. The AA accepts no responsibility for purchases which aren't completed for any reason.

6.8 To qualify for the prize draw your AA Travel Insurance policy must not be cancelled within the 14-day cooling off period.
7. Selection of the winners
 
7.1 Each prize draw will be made 20 days following its weekly closing date.

7.2 Each winner will be chosen at random via an automated process from all the eligible entries.

7.3 Winners will be notified by email or phone using the details in their AA Travel Insurance policy within 20 days of the draw being made under clause 7.1.

7.4 The prize can't be claimed by a third party on your behalf.

7.5 The AA accepts no responsibility if you're unable to claim a prize.

7.6 Each prize is awarded conditionally upon acceptance, and if a winner can't be contacted after 5 days of the AA attempting to notify the winner under clause 7.3 above, or if any prize is unclaimed or declined within 10 days after being notified under clause 7.3 above, the prize shall be deemed as unclaimed or unaccepted and a supplementary winner may be drawn at the discretion of the AA.

7.7 The AA retains the right to substitute the prize with another prize of similar value if the original prize isn't available.

7.8 The prize is not negotiable, exchangeable or transferable for any other product or service or a cash alternative.

7.9 The decision of the AA is final. No correspondence will be entered into regarding the outcome.
8. Limitation of liability
 
8.1 In so far as is permitted by law, the AA, its agent or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by the negligence of the promoter, its agents or distributors or that of their employees. Your statutory rights are not affected.

8.2 Under no circumstances will the AA's aggregate liability to you for any claims arising under these terms and conditions which don't fall within clause 8.1 above exceed £200.00.
9. Data protection and publicity
 
9.1 The winners may be asked to take part in future publicity.

9.2 The AA will use your personal data for the purpose of the management of the free prize draw, including to assess your eligibility for the free prize draw and to administer the competition. You can find more information in the AA Privacy Notice.

9.3 The AA must either publish or make available information that indicates that a valid award took place. We are required to make the forename, surname and the county of the winners available upon request.

9.4 If you object to your forename, surname, county or winning entry being published or made available, please contact the AA. In such circumstances the AA must still provide the information and winning entry to the Advertising Standards Authority on request.

The prize draw isn't available on price comparison websites and can't be used in conjunction with any other offers or discounts, and it can be withdrawn or amended at any time.

Claims
Policies purchased from 3 April 2023

0330 1235 751

Lines are open Monday to Friday 9am to 5pm.


Make a claim

Emergency Medical Assistance

+44 (0)330 1235 751

Lines are open 24/7 all year.

Call now

Claims
Policies purchased up to 2 April 2023

0330 058 2991

Lines are open Monday to Friday 9am to 5pm.


Email [email protected]

Emergency Medical Assistance

+44 (0)147 335 6274

Lines are open 24/7 all year.

Call now

Travel insurance enquiries
Policies purchased from 3 April 2023

0330 123 5485

Lines are open Monday to Friday 8:30am to 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm.

Call now

Travel insurance enquiries
Policies purchased up to 2 April 2023

0330 058 1644

Lines are open Monday to Friday 9am to 5pm.

Call now