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Travel Insurance

Travel Insurance

The fun of a vacation can be quickly ruined by a medical emergency or other unexpected problems while traveling or if you have to cancel your trip at the last minute. AAA offers trip protection coverage to help when the unexpected happens. When you buy travel from AAA, your travel consultant will explain our comprehensive trip protection plan. If you are making independent arrangements, we've got you covered, too.

Talk to an Agent

AAA Insurance Agents are available to assist you
every day 8 AM - Midnight.

CALL:
888.AAA.OHIO (888.222.6446), option 4.

CHAT:
Live chat is available
Monday-Friday 9 AM - 5 PM
Saturday 9 AM - 12 PM.

EMAIL:
InsWebQuotes@aaaohio.com

Foreign Travel Medical Protection

Many travelers assume that their medical policy will cover any illnesses and injuries they might experience while abroad. In reality, many domestic insurance plans may not provide adequate coverage outside the U.S.

AAA offers short-term and intermediate-term insurance for both U.S. and non-U.S. citizens traveling abroad. Each plan features a choice of deductibles, coverage limits and length of protection. U.S. citizens traveling outside the U.S. receive an array of benefits, including: Foreign Travel Medical Coverage

  • • Emergency evacuation
  • • Repatriation
  • • Emergency reunion
  • • Local ambulance
  • • Inpatient/outpatient medical expenses
  • • Hospitalization
  • • Accidental death and dismemberment
  • • Call center assistance available 24/7

Wedding Insurance

Modern weddings are often elaborate and represent a huge financial investment. Protect that investment in case something goes wrong on your special day. AAA Insurance offers a plan that covers a wide variety of mishaps, including ruined photography, a lost or damaged wedding dress, and postponement of the ceremony due to illness, severe weather or transportation shutdowns. Call 888.AAA.OHIO (222.6446) for more information.

Wedding Insurance

Short-Term Medical Protection

Medical Coverage

Short-term medical coverage is designed to fill the gap if you find yourself temporarily without major medical insurance.

Consider an affordable short-term medical policy from AAA Insurance if you are a recent college graduate, between jobs, waiting for employer-sponsored coverage to begin, or looking for a lower-cost alternative to COBRA. You choose the length of coverage, deductible and coinsurance amounts.

Additional Coverages

Special situations call for special protection. If you own a boat, RV or motorcycle, AAA has you covered. Contact your local agent today.

Motorcycle/ATV/Golf Cart
Cover your motorcycle, moped, ATV or similar vehicle with a level of protection best suited to your needs. Choose a liability-only policy or comprehensive or comprehensive and collision coverage. Optional additions include travel loss reimbursement, enhanced coverage for permanently attached accessories, and safety apparel coverage.

Boats & Personal Watercraft
Insure most common recreational boats and personal watercraft with full or liability-only coverage. Options include theft and damage protection, medical payments coverage, trailer coverage and watersports liability.

Recreational Vehicle
Recreational vehicles (RVs) need protection designed for this type of vehicle. RV coverage features physical damage protection from named perils and coverage for personal effects with an option to upgrade to replacement cost.

Manufactured Home
Owners of manufactured homes can get protection against losses on the home and contents. Coverage is available for all occupancies, including owner-occupied, rental, seasonal and tenant.

Vacant Dwelling
Don't let a temporarily vacant house go unprotected. This coverage protects against a variety of named perils. Available options include premises liability, vandalism and malicious mischief, and coverage for other structures on the property.

Specialty Homeowners
Some houses may not qualify for a standard homeowners policy. Specialty homeowners coverage provides coverage for named perils and other structures. Choose to upgrade personal liability and/or personal property coverage and add other options.

Dwelling Fire
Dwelling fire plans are designed for those who may not need all the protections offered by a homeowners policy, such as rental dwelling or seasonal property owners. This type of policy protects the home and other structures against named perils. Build a plan that includes only what you actually need.

Accidents on Scheduled Commercial Airlines
 
Club Travel Accident Insurance pays benefits for a covered injury or fatality when you're a passenger on scheduled commercial airline flights.

Accidents in Private Automobiles
 
Club Travel Accident Insurance pays benefits for a covered injury or fatality when you're driving or riding in any pleasure-type automobile not licensed to carry passengers for hire. And you're covered whether riding or driving a self-propelled motorhome or truck with a gross weight not in excess of 8,500 pounds.

Accidents on Common Carriers
 
Club Travel Accident Insurance pays benefits for a covered injury or fatality when you're a passenger in land or water common carriers such as trains, buses, taxis, subways or ships.

Accidents as a Pedestrian
 
Club Travel Accident Insurance pays benefits for a covered loss when you're struck by a motor vehicle ordinarily operated on public streets or highways.

Optional Additional Benefits Endorsement
 
In addition, you have the option to broaden this protection to provide 24 hour, around-the-clock protection against all accidents not covered by the standard certificate. This is coverage against those "ordinary" accidents that claim the lives of an extraordinary number of people every year. These are the kinds of accidents covered by the optional protection now available to you: drowning while fishing, boating, swimming, etc.; fire & smoke inhalation; slips & falls; and motorcycle & all-terrain vehicle accidents. Additional protection is described on the Certificate.

Automatic Increase in Family Members' Coverage
 
This is for members who select family coverage. If no dependent children are covered under the plan when the accident occurs, coverage on your spouse automatically increases to 50% of your benefit instead of the 40% shown on the above rate charts. The same holds true for children. If no spouse is covered on the date of the accident, coverage on dependent children increases from 5% of your applicable benefit to 20%.

Club Travel Accident Insurance Always Pays the Highest Amount
 
Full benefits are payable under the plan you select for loss of life, two limbs or the sight of both eyes (or one limb and one eye) when loss results within 90 days after the covered accident. For the loss of one limb or the sight of one eye, 50% of the full benefit is payable. If multiple losses are sustained, the program pays only one amount -- the highest amount applicable under the Club Travel Accident Insurance benefit schedule.

Guaranteed Renewal
 
You have the right to renew your coverage each year for as long as the AAA Master Policy remains in force and you continue on as a member of AAA Ohio Auto Club. You may be cancelled only if your AAA membership expires or you do not pay your renewal premium. Otherwise, only you may cancel your plan. And your rates cannot be increased unless they are increased for all AAA members who are insured under the Master policy.

Ten-Day Premium Refund Guarantee
 
When you receive your Certificate of Insurance, take some time to examine it carefully. If, for any reason, you are not completely satisfied with this coverage, you may return your Certificate within 10 days for a full refund of your premium.

The Fine Print
 
This policy is available for AAA Ohio Auto Club members only.
* Loss of limb means severance at or above the wrist or ankle joint.
** Loss of sight must be total and irrecoverable.
 
Any policy provision in conflict with the statutes of the state of Ohio on the coverage effective date will amend this insurance to conform with the minimum requirements of such statutes.
 
This is not a complete description of coverage. See the Certificate for additional details.
 
No losses resulting directly or indirectly from bodily injuries or other causes contributed to by an infirmity, sickness or disease will be covered by this insurance. This policy does not cover: suicide, attempted suicide, losses caused by an act of declared or undeclared war; injuries received while participating in any maneuvers or training exercises of the Armed Forces; or injuries received while under the influence of alcohol, or under the influence of any narcotic, unless administered on the advice of a physician.

Travel Accident Insurance

Quality accident protection for Ohio Auto Club members at attractive group rates.

Club Travel Accident Insurance provides 24 hour world wide coverage for loss of life, limb* or sight** in travel related accidents. Whether you're flying around the world or just driving to the store, Club Travel Accident Insurance provides the high-limit protection you need to keep your family financially secure in the event of a serious travel accident such as...

Important Features Travel With You Year Round

Aside from the cash benefits and the group rates available to AAA members, Club Travel Accident Insurance contains many features to further protect you. Features like...

How to Enroll:

1. Complete an application - one per person (Available online - PDF format).
2. Include your check for a full year's coverage, payable to
    Club Insurance Company, or provide credit card information.
3. Mail application and payment to:
Club Insurance Company
90 E Wilson Bridge Rd.
Worthington, Ohio 43085

For more information or to enroll, call us, toll-free, at 800.323.5486 ext. 7889.
This policy is available for AAA Ohio Auto Club members only.

Delta Dental benefits for AAA members
 
Exclusively for AAA Ohio members and their families, this plan includes coverage for oral exams, cleanings, and X-rays, and even more complex services like bridges, crowns, dentures and denture repairs, fillings, gum disease treatments, oral surgery, and root canals - all the care you need to stay healthy. Good health starts with a healthy smile.
 
A healthy smile is important - not only to your oral health, but for your overall health, too. Having dental coverage helps you get the care you need to stay healthy. It can also help keep your overall health care costs down. That's why we're pleased to offer you exclusive dental benefits through Delta Dental.
 
Enroll your family.
 
These affordable rates are exclusive to AAA Ohio members only. Rates depend on the number of people enrolled and the payment option (monthly or annually) selected:
 
Single Person
$34.96 Monthly payment*
$398.52 Annual payment
 
Two Person
$66.16 Monthly payment*
$754.20 Annual payment
 
Family
$117.55 Monthly payment*
$1,340.04 Annual payment
 
Need more information or ready to enroll? Click to download the brochure (PDF format) with FAQ and application, or call 800.971.4108 to speak to a Delta Dental specialist.
 
 
*credit card or auto withdrawal only.

Dental Coverage

Dental Coverage

Maintaining a healthy smile is important for your general health as well as your appearance. Untreated oral disease can make many health problems worse, while proper dental care can keep your overall health care costs down.

AAA Insurance offers members affordable dental coverage through Delta Dental of Ohio. This program includes coverage for oral exams, cleanings, and more complex services such as fillings, crowns, and root canals. For more information, call 800.971.4108, stop by your local AAA store for an application or download it here.

Long Term Care Insurance

Long Term Care

Long Term Care. Not a subject that most of us care to dwell on. However, failing to discuss or plan for long-term care will leave your family unprepared to meet these high costs. AAA Ohio wants to help.

We've partnered with Marty Puin & Associates to bring you information about long-term care - what you can do to protect yourself, what Medicare and Medicaid will pay for, and new federal regulations. Call 800.234.4326 or visit www.martypuinltc.com to get the essential information you need.

Attend a free, informative workshop about long-term care insurance and learn how you can protect your family's assets. Workshops are regularly scheduled across the state.

Medicare Supplement Insurance

With the high cost of health care today, Medicare supplement insurance is becoming a necessity for more and more Americans. That's why AAA offers Medicare supplement insurance to help protect our members when they need it most. This coverage helps protect you from unexpected medical bills and helps you preserve your family's retirement savings. The plan offers:

  • • Coverage for Medicare deductibles & coinsurance.
  • • The freedom of choosing your own doctors and hospitals.
  • • Outstanding customer service available from courteous representatives ready to answer your questions.
  • • Hassle-free claims processing in about 7 days.
  • • Excellent service from a company with an A+ rating from A.M. Best.

Apply today for the peace of mind you want at affordable AAA member rates.


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Pet Insurance

Woof

AAA members receive 10% lifetime savings (up to 10% off your monthly premiums) with promo code: AAAOHIO. This offer cannot be combined with other discounts or offers.

Healthy Paws Pet Insurance is the #1 customer-rated pet insurance plan in America. They offer one easy-to-understand pet health insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. You may pay as little as 10% of your veterinary bill. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. The plan provides unlimited lifetime benefits with no annual or per-incident caps. It's that simple!

When you choose to insure your pet with Healthy Paws, you're also helping a whole lot of homeless pets! Visit the site to learn more about the Healthy Paws Foundation.

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