AA travel insurance in 60 seconds
AA Travel Insurance at a glance (2026)
Already booked? Buy now, not laterTravel insurance only covers cancellations from the date you take out the policy. Buying within 24 hours of booking gives you the most cancellation protection, see our travel insurance guide.
AA travel insurance cover and tiers in 2026
AA travel insurance is underwritten by Astrenska Insurance Ltd (an Acromas Insurance Company subsidiary) and sold across three named tiers. Single trip covers a single holiday up to 365 days; annual multi-trip covers any number of trips in a year, with each trip capped at 31 days (Bronze/Silver) or 60 days (Gold). Cruise cover is an optional add-on, winter sports is bolt-on for Bronze and Silver and included on Gold.
The AA travel insurance product range
AA Bronze
Entry-level cover with £5m medical, £1,000 cancellation and £500 baggage. Good for short, low-cost European trips where you don't need premium add-ons.
- Medical to £5m.
- Cancellation to £1,000.
- £150 excess per claim.
AA Silver
Mid-tier policy with £10m medical, £3,000 cancellation, £1,500 baggage, £3,000 travel disruption and an £80 excess. AA members get zero excess and double the hospital benefit.
- Medical to £10m.
- Cancellation to £3,000.
- Zero excess for AA members.
AA Gold
Comprehensive cover with £15m medical, £5,000 cancellation, £2,500 baggage and £5,000 travel disruption. Winter sports up to 17 days and golf cover included as standard.
- Medical to £15m.
- Cancellation to £5,000.
- Winter sports & golf included.
Annual Multi-trip
Unlimited trips for 12 months at any of the three cover levels. Each trip up to 31 days (Bronze/Silver) or 60 days (Gold). Best value if you take three or more trips a year.
- Unlimited trips per year.
- Single excess across the year.
- Worth it from 3+ trips.
Winter Sports
Add-on for Bronze and Silver, included on Gold. Covers ski equipment (owned and hired), piste closure and pre-paid ski pass losses. Off-piste skiing covered with a qualified guide.
- Ski equipment to £1,000.
- Piste closure compensation.
- Off-piste with a guide.
Cruise
Bolt-on for ocean and river cruises: missed port, cabin confinement, formal wear loss and unused excursion cover, plus medical evacuation from ship to shore.
- Missed port cover.
- Cabin confinement benefit.
- Ship-to-shore evacuation.
Bronze vs Silver vs Gold: cover limits
| Section | Bronze | Silver | Gold |
|---|---|---|---|
| Emergency medical & repatriation | £5m | £10m | £15m |
| Hospital benefit | No cover | £300 (members £600) | £600 |
| UK rehabilitation | £1,000 | Members only £1,000 | Members only £1,000 |
| Emergency dental | £350 | £400 | £500 |
| Personal liability | £1m | £1.5m | £2m |
| Cancellation & curtailment | £1,000 | £3,000 | £5,000 |
| Travel disruption | No cover | £3,000 | £5,000 |
| Baggage | £500 | £1,500 | £2,500 |
| Single-item limit (baggage) | £225 | £300 | £400 |
| Missed departure | £500 | £750 | £1,000 |
| Loss of passport | £225 | £500 | £750 |
| Excess per section | £150 | £80 (members £0) | £50 (members £0) |
Source: AA travel insurance Insurance Product Information Documents (IPIDs), 2026.
The AA member upgradeIf you have AA breakdown cover when you buy travel insurance, Silver and Gold come with zero excess and double the hospital benefit. Combined with the 10% direct-quote discount, that's often enough to make Silver cheaper net than Bronze.
Optional add-ons
- Winter sports: skiing, snowboarding, piste closure and ski equipment cover. Free on Gold, paid on Bronze/Silver.
- Cruise pack: missed port, cabin confinement, formal wear and unused-excursion cover for ocean and river cruises.
- Hazardous activities: covers a long list of activities normally excluded as standard (scuba diving to 30m, bungee jumping, paragliding and more).
- Excess waiver: removes the per-section excess on a Bronze policy.
- Golf cover: clubs and green-fee cover included as standard on every AA policy, no add-on needed.
Heads-up on adventure sportsAA's standard sports list covers hiking up to 2,500 m, off-piste skiing only with a qualified guide, and scuba diving up to 30 m with a qualification. Above those limits you need the Hazardous Activities pack; always check before you go.
AA travel insurance prices in 2026
Travel insurance premiums are based on age, destination, trip length and any pre-existing medical conditions. AA prices are broadly mid-market in 2026: very competitive on Silver thanks to the member zero-excess perk, slightly above average on Gold. Indicative annual multi-trip quotes for a 35-year-old with no medical conditions, Europe-only cover:
| Policy | UK average | AA member quote | AA non-member quote |
|---|---|---|---|
| Annual Bronze, Europe | £42 | £45 | £50 |
| Annual Silver, Europe | £78 | £72 | £80 |
| Annual Gold, Europe | £115 | £121 | £134 |
| Annual Silver, Worldwide ex USA/Canada | £128 | £118 | £131 |
| Single-trip Gold, 2 weeks USA | £72 | £79 | £88 |
Source: ABI Travel Insurance Premium Tracker Q1 2026 + Selectra quote tests on theaa.com, 35-year-old, no medical conditions, May 2026. Personal quotes will vary with age and medical history.
If you book travel insurance through a TopCashback or Quidco link, you can typically recoup an additional 10–18% on AA travel insurance. Cashback is paid after the cooling-off period ends, so the policy must be live.
AA travel insurance cancellation policy
The AA refunds the full premium if all of the following apply:
- You cancel within 14 days of receiving your policy documents.
- You have not made, and do not intend to make, a claim.
- No incident has occurred that may lead to a claim.
- You have not started travelling.
After the 14-day cooling-off period, you can still cancel the policy but you will not receive any refund. Cancellation must be confirmed in writing or by phone on 0800 028 8231.
AA travel insurance customer service
The AA uses different phone lines depending on what you need. The emergency assistance number is the one to programme into your phone before you fly, it is the only line that operates 24/7 worldwide.
Contact the AA by phone
Emergency assistance abroad
Medical & repatriation, 24/7
+44 (0)1473 356 274
24/7 worldwide
Top lineTravel insurance quotes
New policy enquiries
0800 028 8231
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Existing policy changes
Amend dates, names, cover
0344 826 8188
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Top lineMake a claim (post-trip)
Baggage, cancellation, expenses
01444 442 108
Mon–Fri 09:00–17:00
Medical screening
Pre-existing conditions
0800 091 9141
Mon–Fri 09:00–17:00
Cancel policy
Within 14-day cooling-off
0800 028 8231
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Login & document help
My AA support team
0344 209 0556
Mon–Fri 09:00–17:30
Complaints
Customer relations team
0344 843 8358
Mon–Fri 09:00–17:00
Information to have ready before you call
- Your full name, policy number and the date the incident occurred.
- A copy of your policy schedule (available in My AA) and the IPID for your tier.
- For medical claims: name and contact details of the treating hospital and any local doctor.
- For baggage or theft claims: a police report or property irregularity report (PIR) from the airline.
- For cancellation: written proof of why you cannot travel (doctor's note, employer's letter, FCDO advice page).
AA travel insurance reviews and ratings
Industry bodies rate AA travel insurance highly on cover, especially Silver and Gold. Customer scores are more mixed, with the same complaints we see across all big UK travel insurers: claim documentation requests and renewal pricing.
| Source | Bronze | Silver | Gold |
|---|---|---|---|
| Defaqto 2026 | 2 stars | 5 stars | 5 stars |
| Fairer Finance 2026 | 1 star | 4 stars | 5 stars |
| Which? 2025 survey | 3/5 overall (consumer panel) | ||
| Trustpilot all AA products | 4.5/5 (130,000+ reviews) | ||
Sources: Defaqto and Fairer Finance public ratings 2026, Which? consumer survey 2025, Trustpilot May 2026.
What customers like
- Defaqto and Fairer Finance 5 stars for Silver and Gold, generous medical and cancellation limits.
- Golf cover and free children on family policies are unusual at this price point.
- Member zero excess and double hospital benefit make the Silver tier exceptional value if you already have AA breakdown.
- Emergency assistance at +44 (0)1473 356 274 gets consistently good reviews for medical response speed.
Common criticism
- Bronze tier receives only 1–2 stars from industry raters; for the small price gap, Silver is the better buy.
- Claim documentation requests, customers report having to re-send receipts and proofs of ownership.
- Pre-existing medical loading: declared conditions can dramatically increase the price; the dedicated medical screening line is essential.
- Single-item limits: £225–£400 won't cover a high-end laptop or camera, you need a specialist gadget insurer alongside.
Selectra's verdict on AA travel insurance in 2026
Strengths: highly rated Silver and Gold tiers (5 stars on Defaqto), member zero-excess perk, free children's cover on family policies and golf cover as standard. The emergency assistance team has a strong track record.
Weaknesses: Bronze tier is poor value (skip it), pre-existing medical surcharges and modest single-item limits for valuables.
If you already pay for AA breakdown, AA Silver is one of the best-value travel insurance policies on the UK market in 2026 thanks to the zero-excess member benefit. Otherwise, the price is mid-pack and worth checking against Aviva, Admiral and LV in our UK insurance providers guide.
AA travel insurance FAQ
AA travel insurance is underwritten by Astrenska Insurance Ltd, a subsidiary of the Acromas Insurance Company group, and arranged by AA Underwriting Insurance Services Ltd. Both are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Claims and emergency assistance are managed by the AA's in-house assistance team.
Yes. Paid AA breakdown members get 10% off travel insurance bought direct from theaa.com, plus on the Silver and Gold tiers the excess drops to zero and the hospital benefit doubles. These perks only apply when you are an AA breakdown member at the time the policy is bought; cancelling breakdown later does not remove the perks for the current trip.
Yes. All three tiers cover emergency medical treatment overseas, repatriation costs and accommodation if you test positive for Covid-19 abroad. Cancellation cover includes positive Covid tests within 14 days of departure, but does not cover changes in FCDO travel advice or government restrictions, the standard market position since 2023.
Call +44 (0)1473 356 274, available 24/7 from anywhere in the world. The team can authorise hospital treatment, arrange repatriation, find replacement passports and liaise with airlines on flight changes. Save the number in your phone before you fly.
Winter sports is included on AA Gold and available as a paid add-on on Bronze and Silver. It covers up to 17 days of skiing or snowboarding per year, ski equipment, piste closure and pre-paid ski pass losses. Golf cover (clubs, equipment and green-fee refunds) is included as standard on every AA travel insurance tier.
Call 0800 028 8231 within the 14-day cooling-off period for a full refund, provided you have not travelled and have not made a claim. After 14 days, you can still cancel but you will not receive any refund. Annual multi-trip policies cannot be cancelled mid-year after the cooling-off period, the cover continues until the renewal date.