AAA Travel Insurance

What AAA Travel Insurance does

AAA Travel Insurance is a private U.S.-based digital distributor of travel and travel medical insurance products, headquartered in Dix Hills, NY, operating through the aatravelinsurance.com website. The company does not underwrite insurance itself; it functions as a marketing and sales channel for products administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation (for travel medical products) and Delos Insurance (for select trip cancellation plans). The core technology is IMG's insurance administration platform, which provides claims processing, the MyIMG account portal, the SelectaPlan plan-matching tool, and the International Provider Access database of more than 17,000 international healthcare providers outside the U.S.

The product portfolio spans 13+ SKUs covering short-term travel medical insurance (Patriot Travel, Patriot Extreme, Patriot Executive), trip cancellation and interruption (Patriot T.R.I.P., T.R.I.P. Elite, T.R.I.P. Student), long-term annually renewable global medical coverage (Global Medical Insurance, up to $8,000,000 lifetime on the Platinum tier), student and exchange programs (Student Health Advantage, Patriot Exchange Program, Patriot Group Exchange Program, Patriot America, Patriot International), group and corporate programs (GEO Group, Patriot Group Travel Medical Insurance), and emergency evacuation (Sky Rescue). Coverage terms range from 5-day short trips to multi-year renewable plans.

The business model is commission-based premium distribution: customers obtain instant quotes online and either purchase directly through the website or submit downloadable applications by fax or mail. Distribution operates through two primary channels: direct-to-consumer online sales via the website, and access to AAA's 65+ million member base in North America via a G Adventures preferred partner arrangement announced on December 9, 2025. Customer segments include individual travelers (primary), students studying abroad, cultural exchange participants, corporate/employer groups, frequent business travelers and executives, and adventure travelers. Group products carry a 10% discount for organizations of 5+ members. The firm operates with 1-10 employees and has no disclosed funding, revenue, or leadership information.

Name

AAA Travel Insurance

Website

https://aaatravelinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

AAA Travel Insurance is a private U.S. digital distributor of travel medical and trip cancellation insurance products, sold via aatravelinsurance.com and the AAA member network. Products are administered by International Medical Group and underwritten by Sirius International and Delos Insurance, serving individual travelers, students, and corporate groups.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Embedded Travel Insurance Distribution & APIs (THALALAA)

akta.pro secondary industries

Travel Medical Insurance (Individual) (FSAIAEAI), Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB), Baggage & Personal Effects Insurance (FSAJAJAE), Travel Insurance & Corporate Risk Transfer (Trip, Medical, Kidnap & Ransom) (THACAEAH)

Keywords

• Travel medical insurance
• Trip cancellation coverage
• International health insurance
• Student travel insurance
• Group travel insurance

Headquarters

HQ city

Melville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Marketing or Sales, Personnel, Technology or R&D, Infrastructure

Revenue model

1. Travel Medical Insurance: Provides travel medical insurance products including Patriot Travel Medical Insurance, Patriot Extreme, Patriot Executive, and Global Medical Insurance. Products are underwritten by Sirius International Insurance Corporation and administered by International Medical Group (IMG). Revenue generated from insurance premiums paid by customers for coverage periods ranging from 5 days to multi-year terms.
2. Trip Cancellation Insurance: Patriot T.R.I.P., Patriot T.R.I.P. Elite, and Patriot T.R.I.P. Student products provide trip cancellation and interruption coverage. These products are administered by iTravelInsured and underwritten by Delos Insurance or Sirius International Insurance Corporation. Revenue from one-time premiums tied to specific trips.
3. Group Insurance Programs: Patriot Group Travel Medical Insurance, Patriot Group Exchange Program, Student Health Advantage, and GEO Group programs for organizations with 5+ traveling members. Products include a 10% group discount for group applications.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

AAA Travel Insurance distributes a portfolio of travel medical insurance and trip cancellation products administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation and Delos Insurance. The offering spans short-term travel medical plans (Patriot series), long-term annually renewable global medical insurance, trip cancellation/interruption protection, and specialized plans for students, cultural exchange participants, and corporate groups. Products are sold direct-to-consumer online and through AAA's 65+ million member distribution network.

Product overview

AAA Travel Insurance offers a comprehensive portfolio of travel and medical insurance products through its website (aaatravelinsurance.com). The product lineup includes travel medical insurance plans (Patriot Travel Medical Insurance®, Patriot Extreme®, Patriot Executive®), trip cancellation/interruption insurance (Patriot T.R.I.P.®, Patriot T.R.I.P.® Elite, Patriot T.R.I.P.® Student), long-term global medical coverage (Global Medical Insurance®), and specialized plans for students (Student Health Advantage®, Patriot Exchange Program®, Patriot Group Exchange Program®) and groups (Patriot Group Travel Medical Insurance®, GEO® Group). Additional offerings include emergency evacuation coverage (Sky Rescue®). The insurance products are administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation, with some trip insurance plans underwritten by Delos Insurance. Coverage ranges from short-term travel protection to annually renewable long-term major medical plans with up to US$8,000,000 in lifetime benefits.

Differentiator

Problem solved

Functional benefit

Products and services

• Patriot Travel Medical Insurance Provides up to US$2,000,000 of medical coverage for U.S. citizens and foreign nationals traveling temporarily for business or pleasure outside their home country. Includes medical evacuation, repatriation, and customizable deductibles and policy limits.
• Patriot Extreme Travel Medical Insurance Provides benefits for adventurous international travelers who intend to participate in athletic activities or extreme sports during their trips abroad.
• Patriot Executive Travel Medical Insurance Provides up to US$1,000,000 of medical coverage for executives who travel frequently outside their country of citizenship throughout the year.
• Patriot Exchange Program Designed for individuals and groups of five or more students studying abroad or participants of cultural exchange programs. Most plan options meet U.S. J1 and J2 visa travel insurance requirements. Available in monthly increments and renewable up to 24 months.
• Patriot T.R.I.P. Trip cancellation and interruption insurance protecting travelers from losing money spent on travel due to circumstances such as sudden illness, injury, death in the family, jury duty, job layoff, terrorism, or financial default of travel operators. Includes coverage for travel delay, baggage delay, lost baggage, emergency medical expenses, and emergency medical evacuation.
• Patriot T.R.I.P. Elite Premier travel insurance program offering higher benefit amounts for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption, and adds a new benefit for violent attacks.
• Patriot T.R.I.P. Student Budget-conscious travel insurance program designed for students, covering trip cancellation or interruption, travel and baggage delay, lost or stolen baggage, emergency medical expenses, and emergency medical evacuation.
• Global Medical Insurance Long-term (1+ year), annually renewable, comprehensive worldwide medical insurance program for individuals and families. Silver and Gold plans provide US$5,000,000 lifetime coverage; Platinum provides US$8,000,000 lifetime coverage. Offers worldwide coverage or worldwide excluding U.S./Canada options.
• GEO Group Comprehensive group hospital, surgical, medical and life insurance program for employers with employees who are U.S. or Canadian citizens residing abroad, or overseas local and third country national employees. Includes medical, dental, life, and indemnity benefits.
• Patriot Group Travel Medical Insurance Designed for organizations with groups of 5 or more members traveling together outside their home country. Provides the same benefits as individual Patriot Travel Medical Insurance with a 10% group discount.
• Sky Rescue Emergency medical evacuation and scheduled coverage for individuals under age 65 traveling outside their home country for a minimum of three months. Available for three, six, or twelve month periods and can be rewritten for subsequent periods.
• Student Health Advantage Designed for individuals or groups of five or more students or scholars participating in sponsored study abroad programs. Meets student visa requirements and includes benefits for maternity, mental health, organized sports, and international emergency care. Provides access to over 17,000 providers through International Provider Access.
• Patriot Group Exchange Program Designed for groups of students studying abroad or participants of group cultural exchange programs. Offers Basic short-term, Standard short-term (meets U.S. visa requirements), and Long-term annual plan options. Available in monthly increments with renewal up to 24 months.
• Patriot International Provides coverage while traveling outside the home country where the destination excludes the United States or its territories, with limited coverage for brief returns to the U.S.
• Patriot America Provides coverage while traveling outside the home country where the destination includes the United States or its territories.

Quantifiable outcome

• Coverage available in over 100 countries through provider network
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• G AdventurescoreGTM or Marketing Partner · 9 December 2025AAA Travel announced G Adventures as a preferred partner for its 65+ million members across North America. The collaboration provides AAA members exclusive access to G Adventures' portfolio of more than 1,000 small-group trips across 100 countries, along with agent education support for AAA travel advisors. A dedicated community tourism fund with G Adventures' non-profit partner Planeterra has also been established, with the first project benefiting a Costa Rican cooperative organization focused on preserving local culture and agricultural practices.
• International Medical Group (IMG)coreTechnology or IntegrationProducts including Patriot Travel Medical Insurance, Patriot Extreme, Patriot Executive, Patriot Exchange Program, Global Medical Insurance, GEO Group, Patriot Group Travel Medical Insurance, Sky Rescue, and Student Health Advantage are administered by International Medical Group, Inc. IMG provides claims processing, provider network access (IPA with 17,000+ providers), technology infrastructure including MyIMG portal and SelectaPlan tool.
• Sirius International Insurance CorporationcoreOthersSirius International Insurance Corporation serves as the primary underwriter for AAA Travel Insurance products including Global Medical Insurance plans and Patriot Travel Medical Insurance products.
• iTravelInsuredcoreImplementation/ SI/ Consulting PartneriTravelInsured, a wholly owned subsidiary of IMG, serves as program manager for Patriot T.R.I.P., Patriot T.R.I.P. Student, and Patriot T.R.I.P. Elite trip cancellation insurance products.
• Delos InsuranceminorOthersDelos Insurance underwrites and offers Patriot T.R.I.P. and Patriot T.R.I.P. Student plans where available, administered by iTravelInsured.
• PlaneterraminorStrategic or Co-development PartnerPlaneterra is G Adventures' non-profit partner. The partnership with AAA Travel established a dedicated community tourism fund, with the first project benefiting a Costa Rican cooperative organization focused on preserving local culture and agricultural practices.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Squaremouth: U.S. travel insurance comparison platform distributing policies from multiple carriers with zero-commission positioning. Competes for the same self-serve online traveler customer with a similar instant-quote UX.
• InsureMyTrip: Travel insurance comparison and distribution marketplace aggregating multiple carriers. Comparable as a competing distribution channel targeting the same individual traveler customer and using a similar online quote-and-purchase motion.
• Seven Corners: Specialist in international travel medical insurance and long-term global medical plans for travelers, expatriates, and students — directly comparable to AAA Travel Insurance's Patriot and Global Medical Insurance product families.
• World Nomads: Travel insurance provider specializing in adventure and international travel, serving individual travelers and backpackers — directly overlapping AAA Travel Insurance's Patriot Extreme and individual traveler segments.
• GeoBlue: Provider of international travel health insurance and long-term global medical plans for individuals, students, and business travelers — directly comparable to AAA Travel Insurance's Global Medical Insurance and student/exchange products.
• Allianz Travel Insurance: One of the largest direct travel insurance underwriters and distributors in the U.S., offering trip cancellation, travel medical, and group products — directly comparable to AAA Travel Insurance's product shelf. Notably, AAA Travel was historically associated with Allianz per the company's short description.

Emerging players

• HTH Worldwide (GeoBlue affiliate): International travel and expatriate health insurance provider with strong roots in the student and academic travel segment — overlapping AAA Travel Insurance's Student Health Advantage and Patriot Exchange Program products.
• Global Underwriters: Specialist broker offering travel medical, trip cancellation, and group plans, including for adventure travel and students — comparable niche focus and product mix to AAA Travel Insurance, with similar reliance on carrier partnerships.

Broad incumbents

• AIG Travel Guard: Major incumbent offering a full suite of travel insurance products including trip cancellation, medical, and group plans through direct and agent channels. Comparable to AAA Travel Insurance across nearly every product line, with substantially broader brand and capital resources.

Others

• International Medical Group (IMG): Core technology and administration partner of AAA Travel Insurance; owns and administers the Patriot, Global Medical, Student Health Advantage and Sky Rescue product families. Functions as both supplier and infrastructure backbone — comparable as the upstream platform AAA Travel reskins.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AAA Travel Insurance