Travel Insurance Through Membership Clubs: The Pros and Cons

If you’re like most people, you probably don’t think much about travel insurance until you need it. And then it’s often too late. You may have heard of people getting travel insurance through membership clubs like AAA or AARP, and wonder if that’s a good option for you. In this guide, we will discuss the pros and cons of getting travel insurance through membership clubs so that you can make an informed decision about what’s best for your needs.

Travel Insurance Through Membership Clubs

Some travel insurance benefits plans are included with club memberships. To receive the coverage, the trip must be purchased through the credit card firm by the club owner. The limitations (coverage amount, health insurance) can in fact be quite low, and additional protection might cost more. There may also be a deductible to pay.

• AAA
• Costco
• Expedia

Which Insurance Should You Get Instead Of Membership Clubs?

Best If You Are A Senior

• GlobeHopper Senior Travel Medical Insurance

Best If You Are A Diabetic

• Short Term Travel: Patriot Platinum Travel Medical Insurance
• Long Term Travel or Living Abroad: Global Medical Insurance

Best For Parents With Children

• International Travel: Patriot Platinum Travel Medical Insurance
• Domestic Travel: Allianz Travel Insurance

Best For Going On A Cruises

• Travelers: Patriot Platinum Travel Medical Insurance
• Employees: GeoBlue and IMG travel insurance

Best For Visiting The USA

• Parents, Family Members, and Visitors: Patriot America Plus Visitors Insurance
• Students: Patriot Exchange Student Program

Best For Medical Conditions

• Short Term Travel: Patriot Platinum Travel Medical Insurance
• Long Term Travel or Living Abroad: Global Medical Insurance

Best For Domestic Travel Insurance

• iTravel
• Allianz Travel Insurance

Best For International Travel

• Short Term Travel: Patriot Platinum Travel Medical Insurance
• Long Term Travel or Living Abroad: Global Medical Insurance

Best For International Relocation

• Global Medical Insurance
• Geoblue XPLORER

Best Annual Travel Insurance Plans

• Global Medical Insurance
• Student Health Advantage

Best For Students Studying Abroad

• Less Than 1 Year: Patriot Exchange Student Program
• More Than 1 Year: Student Health Platinum International Student Insurance

Best For Cancellation For Any Reason (CFAR)

• iTravelInsured LX

Best For International Health Insurance

• Short Term Travel: Patriot Platinum Travel Medical Insurance
• Long Term Travel or Living Abroad: Global Medical Insurance

Best For COVID

• GeoBlue Travel Insurance (Blue Cross Blue Shield)
• International Medical Group (IMG) Travel Insurance