AA Travel Insurance offers single trip and multi trip policies to UK residents. The company offers standard travel insurance policies for adults between 18 and 64 years of age. Senior citizens above 65 are insured under specially designed travel policy with a higher premium.
AA Travel Insurance: Policy Cover
Single-trip policy: This AA Travel Insurance policy remains valid for a maximum period of 185 day at a stretch. It can be customized to suit individual holiday travel insurance needs. The main highlights of the single trip policy are:
- Medical benefits up to £10 million pounds
- Emergency medical assistance 24x7
- Personal accident insurance for up to £25,000
- Trip cancellation cover up to £5,000 per person with £60 as excess
- Delayed departure up to £100 per insured person
- Trip postponement up to £1,000 per person
- Personal liability for up to £2 million per insured event
Annual travel policy: This policy is meant for frequent travelers with an unlimited number of insured trips of a maximum of 45 days each. The policy offers benefits similar to those offered by a single trip policy. The multi-trip insurance policy includes business travel under standard cover.
Individuals can opt for additional insurance plans for greater coverage, such as:
- Winter holiday cover: It covers loss or damage while performing winter sports such as skiing or snowboarding. Winter sports equipment is also covered under the policy.
- Golf holidays: Covers golf travel along with loss or damage to golf equipment.
- Wedding: It is meant for those couples who plan to marry abroad. The policy covers expenses specifically related to weddings, such as ring, gift, attire and hotel bookings.
A policyholder can add an excess-waiver cover to an existing policy to be exempted from excess payment while making a claim.
AA Travel Insurance: Major Exclusions
Some of the principal exclusions to AA Travel Insurance policies are:
- Claims arising from medical conditions that are not declared by the individual.
- Claims arising from traveling to places that are deemed unsafe by the Foreign & Commonwealth Office, UK.
- Theft or damage of possessions should be reported to local police within 24 hours.
- Claims arising from participating in an anticipated dangerous activity, unless insured under the cover.
For immediate medical services, a policyholder can contact AA Travel Insurance’s emergency numbers. A claim for the policy can be filed online by visiting the company website.