AA Travel Insurance Review

If you’re reading this the chances are you’re looking for travel insurance and bravo to you for doing so! If you’re reading this and you’re not looking for travel insurance but are going away, then DON’T go anywhere!

The Younger Generation

Too many people (especially the younger generation) don’t take out travel insurance when they go on holiday and there are a couple of reasons for this:

  • When you’re young you don’t think about falling ill. In fact, you think you’re pretty much invincible (I know I did).
  • You’re on a budget and the idea of shelling out some extra cash on insurance instead of keeping it tucked away for that emergency pint of beer really doesn’t “float your boat”.

Both of the reasons above are probably something that’s got your head nodding right now but, you have to remember that when you’re abroad just about anything can go wrong. For most of us it doesn’t but, what happens if you slip on the side of a swimming pool and suffer a massive gash that needs stitches? Or worse, you come down with some mystery illness that’s making you feel pretty unwell?

Well, both of these instances will mean you have to make a trip to the hospital and if you don’t have travel insurance you’re beer money will soon be no more!

The Older Generation

Now, this is a completely different story. You’re probably reading this because you’re more than interested in making sure you have enough insurance when you’re abroad but, there are things we all forget.

When you’re looking for a policy do not tell a fib about your health, if you do you, you might find that you need medical attention and your insurance won’t cover it. For those of you with more complicated health issues, make sure you explain everything. In fact, too much information is better.

It might cost you a bit more for the insurance but if you end up in hospital and you’re not covered, the cost of this will far outweigh the extra you have to pay in order to make sure you’re properly insured.

Why AA

We have advertised AA travel insurance on our website because they’re one of the oldest and best recognised companies in the UK. In the following few words you’re going to find out why you should consider taking a policy out with them when you travel.

For a start, they have policies that are tailored to suit just about any need out there. Below are some you can expect:

Single Trips

This policy will cover you for a trip abroad that is no longer than 185 days (lucky you if you can take a holiday for that long)! Here are some of the other benefits:

  • Cover starts from £5.73 – be aware to read the small print on this one.
  • Medical expenses are covered up to the value of £10 million. In my opinion this is very generous, I can’t think of anything that would happen to someone which would cost this much, even over 185 days.
  • Emergency assistance will be available to you 24 hours a day 365 years a day.
  • You’ll have the benefit of £25,000 personal accident cover.
  • If you cancel, you’ll benefit from up to £5,000 per person.
  • There is also something called “financial failure holiday protection” which, in this day and age can come in very useful.

Annual Multi-Trips

All of the above and/or:

  • Multiple trips of up to 45 days each.
  • Cover starts from £23.46
  • Discounts if you’re part of a couple or family (the AA are nice like that).

Other Policies

For those of you that love to get away from it all but like to stay active, the AA hasn’t forgotten about you. There are policies that cover all sorts of winter sports, golfers and even backpackers. One of the best things I love about the AA and, I’ve yet to find another company that will do this. They will cover you on a single or multi-trip for your wedding!

Here’s what you can expect on top of the benefits already mentioned:

  • Up to £250 on your wedding rings. (It doesn’t sound like much but something is better than nothing).
  • Up to £1,000 on your wedding gifts.
  • Up to £1,000 on your wedding clothing.

Oh, and for all of you that are already AA members expect additional discounts on all the policies mentioned.

A Few Final Words

It doesn’t matter what your reason for travelling is, you should always make sure you’re covered for any eventuality. Whilst most of us will not encounter a problem; there is nothing worse than adding to your woes because you don’t have the money on you to pay for medical expenses.

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