- AA travel insurance is distributed by Automobile Association Insurance Services Limited, authorised and regulated by the Financial Conduct Authority under register number 310562.
- Cover is underwritten by Inter Partner Assistance SA, part of the AXA Group, with a UK branch at 106-118 Station Road, Redhill RH1 1PR.
- Emergency medical and repatriation cover runs up to 15 million pounds, with cancellation up to 5,000 pounds per person per trip.
- Three tiers (Single Trip, Annual Multi-Trip and Backpacker) each sit across Bronze, Silver and Gold cover levels.
- Claims for policies bought on or after 3 April 2023 are handled by AXA on 0330 1235 751.
What AA travel insurance is
The AA is best known for roadside breakdown cover, but it also sells a standalone travel insurance product separate from its breakdown and motoring services. The product is sold under the AA brand by Automobile Association Insurance Services Limited (referred to in the policy documents as AAIS), which acts as the distributor and arranges the cover rather than carrying the underwriting risk itself.
This is a broker-style arrangement: AAIS is the regulated firm that markets and administers the policy, while a separate insurer takes on the financial liability for claims. That structure matters because the entity you buy from and the entity that actually pays a claim are two different companies, each with its own regulatory permissions.
Who underwrites the cover
AA travel insurance is underwritten by Inter Partner Assistance SA, a company that forms part of the AXA Group. Inter Partner Assistance SA operates in the UK through a branch at 106-118 Station Road, Redhill RH1 1PR, and is regulated by the National Bank of Belgium alongside the UK Prudential Regulation Authority and Financial Conduct Authority under firm reference 202664.
For the travel product specifically, this is a single fixed underwriter rather than a rotating panel. That contrasts with how some AA motor and home cover is arranged, where a quote can be placed with one of several insurers. For travel, the underwriting sits with Inter Partner Assistance SA, so the claims handling and policy terms are consistent regardless of customer profile.
What policies AA offers
The range is organised into three trip types. Single Trip cover is built around one journey, with a maximum duration of up to 186 days for a single trip. Annual Multi-Trip cover suits travellers taking several journeys in a year, with each individual trip capped at up to 62 days. Backpacker cover is aimed at longer continuous travel, with a maximum of up to 365 days.
Each trip type is offered at three cover levels: Bronze, Silver and Gold. Bronze sits at the entry level and Gold at the upper end, with the headline limits and the way excess is applied differing between them. The tiered approach lets a traveller match the limits to the trip rather than buying a single fixed package.
Pricing structure
AA prices each quote individually based on the trip type, destination region, traveller ages, declared medical conditions and the cover level selected. There is no flat published premium, so the figure a traveller sees depends on those inputs at the point of quote.
The AA advertises a 10 percent discount for buying direct online rather than over the phone. Cover level also affects the practical cost of a claim: AA members buying at Silver or Gold avoid paying the policy excess, whereas a Bronze policy requires the excess to be paid when a claim is made. The excess waiver at the higher tiers is therefore part of the value calculation, not just the headline premium.
What is covered and excluded
The headline limits are emergency medical and repatriation cover of up to 15 million pounds, cancellation cover up to 5,000 pounds per person each trip, and personal accident cover up to 25,000 pounds on Single Trip and Annual Multi-Trip policies (up to 10,000 pounds on Backpacker). Delayed baggage is covered up to 300 pounds.
As with most UK travel policies, the cover is shaped by exclusions and declarations. The FCDO guidance for travellers states that you must declare existing conditions or pending treatment so that related complications are covered, and warns that failing to declare medical information may invalidate the policy. Certain activities such as winter sports, jet skiing or skydiving are typically excluded from a standard policy and need an add-on or specialist cover, and cruises generally require an additional level of cover because reaching hospital treatment at sea is harder. A traveller should check the policy wording and the insurance product information document for the exact limits, excess figures and exclusions that apply to the tier chosen.
How AA compares
Against the wider market, the AA medical limit of up to 15 million pounds sits at the higher end of typical single-trip and annual cover. The relevance of a high medical ceiling is borne out by industry data: the Association of British Insurers reported that members paid 472 million pounds across more than 500,000 travel claims in 2024, of which medical claims accounted for 262 million pounds at an average payout of 1,528 pounds, and that one member paid out more than 1 million pounds for a customer hospitalised in the USA.
Where AA differs from specialist medical-focused insurers is in its breadth of pre-existing condition handling. AA screens declared conditions at the point of quote rather than positioning itself as a specialist for complex medical histories, so travellers with extensive conditions should compare the declared outcome and price directly. The cancellation ceiling of 5,000 pounds per person is mid-range and may be a constraint for travellers with high-value bookings.
How to make a claim
For policies bought on or after 3 April 2023, claims are handled by AXA. The claims line is 0330 1235 751, and an online claims portal is provided. For a medical emergency abroad, the AA provides a 24-hour emergency assistance line so that treatment and, where needed, repatriation can be arranged while travelling. Travellers should keep policy documents and the assistance number accessible during a trip, since emergency transport such as an ambulance is often charged separately and may need to be authorised by the assistance team.
Who AA might suit
The AA travel product is likely to appeal to existing AA members who can stack the online discount with the excess waiver available at Silver and Gold, and to travellers who place weight on a high emergency medical ceiling. The single fixed underwriter and the AXA-administered claims route give a clear line of accountability. Travellers with complex pre-existing conditions, high-value cancellation needs above 5,000 pounds, or plans involving excluded activities should confirm the declared price and the specific tier limits before buying, since those factors drive both the premium and whether a future claim would be paid.
