American Airlines Travel Insurance: How to Buy and Claim?

American Airlines Travel Insurance

Going on Trips creates beautiful memories but one can make it even more memorable by having an airline insurance plan where you will get compensation for your nonrefundable tickets in case of emergency or illness. American Airlines travel insurance is one such plan that will help you to become untroubled in your wondersome journey. Having a certain assurance and conviction is very crucial when opting out for travel protection and American airline travel insurance can help you out. Allianz Global Assistance is the one who puts forward and sells the airline travel insurance plans for American Airlines, not American Airlines itself.  

In this informative blog, we are going to provide you with comprehensive details that will help you understand the advantages and disadvantages of the AA Insurance plan. 

American Airlines Travel Insurance Benefits and Assistance

American Airlines has unique offers for passengers. In the AA Travel Insurance Plan, travelers will get the following benefits. 

  • Trip interruption and Trip cancellation: There is a limit for the refund amount in different U.S. states. If you have any pre-paid or nonrefundable travel costs incurred but you have to cancel it due to any illness or injury, you can claim the refund.
  • 24-hour help: You will always get direct assistance for your travel-related troubles in this plan for 24 hours through AA executives.
  • Rental cab accidents: You will receive a payment claim without any deduction.
  • Missing good or impaired baggage: You will get a refund if your baggage gets missing, stolen, or lost.
  • Delayed baggage: If the baggage is delayed for more than 24 hours, this insurance covers the content of your baggage. All you need to do is keep the eligible receipts of the purchase and claim for it. The airline provides compensation of $100 per person.   
  • Emergency medical conveyance: You will get about $50,000 as an insurance benefit through American airline travel insurance for emergency medical conveyance. During any medical emergency if you need to be lifted or get to a hospital it will come under the emergency medical conveyance and will be covered by this insurance plan. 

What Does American Airlines Travel Insurance Does Not Cover? 

Some of the situations are not covered by American travel insurance so it is necessary to know the ruling out situations.

  • Pregnancy, fertility treatment, and childbirth. 
  • Health issues that are due to alcohol or drug use. 
  • Accidents or injuries during professional sports training. 
  • Flight disturbance due to war, pollution, and natural disasters.
  • Any loss occurred due to government restrictions, warnings, or travel advisories.
  • The loss occurred due to predictable events(Like hurricanes and warnings).

How to Purchase American Airlines Travel Insurance?

  • There is a form on the Allianz travel insurance website that gives a detailed overview of the approximate cost of your trip, all you have to do is enter the trip information to get an idea of the cost. You need to enter the following details:
American Airlines Travel Insurance Form
American Airlines Travel Insurance Form
  • Your primary destination(country)
  • Travel dates
  • Age of traveler
  • State of residence
  • Total trip cost – if you need to calculate this you can also use a tool given on its right-hand side where you need to enter the expense of the following things 
  • Airfare
  • Lodging 
  • Cruise 
  • Tours 
  • Others 
  • After entering the details mentioned above you need to click on find a plan. After that, you will be taken to a page wherein you will have to select an insurance plan where you will be guided with the following information to choose the plan best suited to your needs.
  1. Per traveler total cost
  2. You can view and download the plan and pricing details in the form of a PDF by clicking on it for your convenience.
  3. After the quote facts and figures you will be taken to a page where you can also pay additional charges if you want to do so.
  4. Apart from this, you need to enter your traveler info. 
  • First name
  • Last name 
  • Date of birth
  • Address 
  • City
  • State 
  • Zip code
  • Phone Number
  • Email Address

5. After entering the above details you will be directed to a page of payment information after that you have to choose the payment that can be done via

  • Credit card 
  • Paypal

And then after completing your payment, you are protected with the insurance policy.

How to Claim AA Travel Insurance?

You can register to claim American Airlines Travel Insurance by visiting this website-

  • Here you can register to submit a new claim.
  • To create an account there, you need to enter your email address and set up your password. 
  • A verification mail will be sent to you after that. If you didn’t receive your mail, you need to check your spam or junk folders.
  • To add security to your account, you will be sent a verification code by text or email. When you click on the register button you agree that a third-party service will provide the verification code to your email or phone number that is there in your account registration.
  • On the website given below, you can file your claim for AA travel insurance. It is their claim portal where you have to log in with the credentials. 
  • You can easily file a new claim and track the status of an existing claim. You can also complete an existing claim there.

Is American Airlines Travel Insurance Worth Your Time and Effort?

If you have bought a nonrefundable ticket then it is always advisable to give it a thought to have flight insurance which can serve as a good protective utility as it assists you in a lot of major things.

Also if you use a credit card for instance, some of them provide certain benefits which are also already included in the insurance. Many benefits like missing baggage and others are also given in the credit card but make sure to check, compare, and then make a choice according to your budget. At last, assess if the budget is sufficient. It’s better to go for an insurance plan, also depending upon which company’s credit card as some of the credit card companies already provide some of the benefits.

Also, you can click on the American Airlines Manage Booking option if you want to add any assistance or edit any detail in your reservation.

FAQ (Frequently Asked Questions)

What is American Airlines Travel Insurance?

American Airlines offers travel insurance plans in partnership with Allianz Global Assistance. The insurance plan covers single trips to annual trips. It covers cancellation, accidental damages,  and any other mishappenings. The travelers will have 24-hour medical assistance under this insurance. 

Can I buy flight insurance after booking American Airlines?

You can buy American airline travel insurance while booking your flight and even later. Passengers can visit the official website of American Airlines and go to the Allianz Trip Insurance page to find the plan. 

Is American Airlines travel insurance worth it?

American Airlines provides an insurance plan for a single trip and also for the trip throughout the year. It covers a large number of illnesses under its plan. Moreover, it offers protection for cancellation due to injury and jury duty. 

What does AA travel insurance cover?

  • Trip interruption and Trip cancellation
  • 24-hour help
  • Rental cab accidents
  • Missing good or impaired baggage
  • Delayed baggage
  • Emergency medical conveyance 

Is it good to get trip cancellation insurance?

Yes, it is a good practice to get trip cancellation insurance. A comprehensive protection plan protects the passenger from cancellation, baggage losses, accidental damages, and emergency medical assistance. 

Can one change or cancel their AA insurance plan?

U.S. residents can cancel their insurance plan by visiting the Allianz global assistance site. If you are a non-U.S. resident then you might have to pay extra expense for changes in the plan as these schemes vary by country of residence. Hence you need to contact the insurance provider if you want to cancel the protection cover.

Is the insurance plan of American Airlines refundable?

Yes, the American Airlines insurance plan is refundable under a certain condition. Passengers can cancel their cover within 15 days of purchase. Travelers should ensure that they have not started their trip or initiated a claim. 

What does AA travel insurance not offer?

American Airlines does not cover the following scenarios under its insurance protection.

  • Accidents or injuries during professional sports training. 
  • Flight disturbance due to war, pollution, and natural disasters.
  • Pregnancy, fertility treatment, and childbirth. 
  • Health issues that are due to alcohol or drug use.
  • Any loss occurred due to government restrictions, warnings, or travel advisories.
  • The loss occurred due to predictable events(Like hurricanes and warnings).
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