Eligibility and Coverage Effective Date
As a club member, you are eligible to enroll regardless of your medical history if you are at least 18 years of age and a U.S. resident. Your coverage will take effect after your enrollment form and your first premium payment are processed by the AAA Member-Years Insurance Plan Administration office.

FOUR Exclusive Benefits that Pay

An Accidental Death Benefit will be paid when a Covered Person’s Injury results in death within 90 days from a covered accident listed below. Your Members-Years benefits for loss of life will be paid: first, to your spouse; second, equally, to your children; third, to your estate.

A Hospital Benefit will be paid when a Covered Person’s Injuries from a covered accident listed below require a Hospital stay, up to a maximum of 365 days. The Hospital Confinement must occur within 90 days from the date of the Injury, be recommended by a doctor, and not be in a convalescent, rest, skilled, or intermediate nursing facility or in a home operated primarily for the aged, drug addicts or alcoholics, or one that primarily provides custodial or educational care.

An Outpatient Benefit will be paid when a Covered Person’s Injuries from a covered accident listed below require treatment in the outpatient department of a Hospital within 24 hours of the accident. This benefit is payable six times per year for each Covered Person.

A Recuperation Benefit will be paid for the same number of days that the Covered Person’s Hospital Confinement benefit is paid.

Enjoy Coverage for NINE Different Types of Accidents

Automobile, Motor Home, Truck, or Pedestrian Accident – With this unique accident plan, you and your family (if insured) will be covered while driving or riding in an automobile, motor home, pick-up truck, or as a Pedestrian if struck by a Motor Vehicle on a public thoroughfare. Simple trips to the grocery store or to a friend’s house can often lead to accidents that cause injury—sometimes very serious injury. With the AAA Member-Years Classic Care Plan, you’ll have solid insurance protection for those everyday, “around town” trips you make all the time.

Aircraft, Bus, Train, Ship, or Taxicab – Unlike some accident plans that only cover you when you’re on an airplane, the Member-Years Plan covers you On any public land or water conveyance operated by a Common Carrier, including as a passenger On a regularly scheduled commercial passenger airplane. This additional coverage protects you when you’re on vacation, on a business trip, visiting the kids, or simply out enjoying yourself. With the AAA Member-Years Plan, you now have the assurance that your accident coverage is going with you wherever you go!

Benefits that Pay Cash Directly to You
All benefit checks are made payable to you—and you can use the money however it will help you most. Plus, this plan pays benefits in addition to any other insurance you have, including other Club plans. Benefits are paid directly to you or to anyone you designate.

Specially-Arranged Premiums
Your specially-arranged AAA premium rate cannot be changed unless the same change applies to all Members insured under the Master Policy.

Your Plan Cannot be Terminated Due to Age or Health
Your coverage cannot be cancelled by the insurance company as long as you remain a member of AAA, pay the renewal premium when due, and the Plan’s Master Policy remains in effect. Dependents’ coverage ceases when your coverage terminates, premiums are not paid, or the dependents are no longer eligible.

No-Cost Benefit Amount Increases
Your benefit amounts are determined by the number of consecutive years you have been a member of AAA. With each member year your benefit amounts will continue to grow with no increase in premium. Maximum protection will accrue in the sixth year.

100% Satisfaction Guarantee
You’ll have a full 30 days to review your Certificate of Insurance. If the coverage is not everything you hoped it would be, just return your Certificate to us for a full refund of all the premium you have paid, minus any claims paid.

Include Your Family
With Family coverage, your spouse, who is at least 18, a U.S. Resident and not legally separated or divorced from you, is covered for 50% of the amount of your coverage if your eligible children (unmarried children under age 19, under 23 if full-time college students) are covered; or 60% if you have no eligible dependent children covered. In addition, each child has 20% of the amount of your coverage if you have a spouse, or 40% if you have no spouse. Each eligible family member’s protection increases each year based on your AAA membership years, up to year six.

Definition of Injury
Injury means bodily injury resulting directly from an accident and independently of all other causes which occurs while the Covered Person is covered under the policy.

Definition of Common Carrier
Common Carrier means a conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that concern.

Exceptions to your Coverage
This policy does not cover any loss resulting from 1. intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane; 2. war or act of war, whether declared or un declared; 3. injury sustained while riding On, boarding or alighting from any aircraft a) as a pilot, crew member, student pilot, flight instructor or examiner; b) operated by any military authority unless it is a Military Transport Aircraft used for transport and operated by the United States Military Airlift Command (MAC) or a MAC type service of a national government recognized by the Unites States; or c) being used for tests, experimental purposes, stunt flying, racing, or endurance tests; 4. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician; 5. Injury sustained while committing or attempting to commit a felony; 6. Injury sustained while legally intoxicated from the use of alcohol; and 7. Injury which occurs prior to a Covered person’s Effective Date under the Policy. Benefits will be paid for only one Type of Covered Accident under each Benefit payable under the Policy.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company and Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Your club shares a financial interest in this program which benefits the entire membership.

THIS IS LIMITED ACCIDENT-ONLY COVERAGE.

Policy Form Number: GBD-1000 A (ADD-11235)
Policy Number: ADD-11235

Individual Plan
Basic Plan - $32.50 semi-annually
Best Plan - $65.00 semi-annually

Family Plan
Basic Plan - $52.00 semi-annually
Best Plan - $104.00 semi-annually