AARDY is a travel insurance comparison marketplace, not an insurer itself: it pulls quotes from multiple underwriters so you can compare coverage and price in one place before you buy. As of 2026, AARDY holds a 4.9 out of 5 rating on Trustpilot from roughly 48,000 reviews and a 4.5 out of 5 “Excellent” rating from ConsumersAdvocate.org, but it is not accredited by the Better Business Bureau. The short version: AARDY is a legitimate way to shop travel insurance across several providers, but the actual claims experience depends on which underwriter you pick, not on AARDY itself.
Last updated August 1, 2026: refreshed Trustpilot and BBB status, ConsumersAdvocate rating breakdown, provider list, and pricing details.
Because AARDY is a marketplace rather than an insurance company, your policy, your claim, and your payout all come from whichever insurance carrier (underwriter) you select: Travelex, Trawick International, Seven Corners, IMG, AIG, or another partner, depending on your trip and state. Some sites call this trip insurance instead of travel insurance; it’s the same product. AARDY’s value is in the comparison, not in underwriting the risk.
Key Takeaways
- AARDY compares travel insurance quotes from multiple providers rather than underwriting policies itself.
- It holds a 4.9/5 Trustpilot rating (about 48,000 reviews) and a 4.5/5 “Excellent” rating from ConsumersAdvocate.org, but has no official BBB accreditation or rating.
- Coverage, claims handling, and payout timelines depend on the underwriter you choose, not on AARDY.
AARDY at a Glance
| What it is | Online travel insurance comparison marketplace |
| What it is not | An insurance company or underwriter |
| Trustpilot rating | 4.9 out of 5 (about 48,000 reviews) |
| ConsumersAdvocate.org rating | 4.5 out of 5, “Excellent” |
| BBB status | Not accredited; no official BBB rating |
| Coverage types compared | Trip cancellation, trip interruption, emergency medical, medical evacuation, baggage |
| Headquarters | Plantation, Florida |
| Best for | Comparing multiple providers’ plans and prices side by side |
| Not ideal for | Travelers who want a single carrier’s app-based claims experience |
How Does AARDY’s Comparison Marketplace Work?
You enter your destination, trip cost, travel dates, and traveler ages once. AARDY returns a side-by-side list of plans from its partner insurers, each showing coverage limits, exclusions, and price. You buy directly through AARDY’s site, but the policy itself is issued and administered by the underwriter you pick.
What Comparing Plans Through AARDY Gets You
Instead of pulling quotes from each insurer’s own site one at a time, you see plans lined up by price and coverage limit. That makes it easier to spot the gap between a bare-bones cancellation-only plan and a comprehensive plan that adds medical evacuation and higher baggage limits.
Which Providers Show Up in Your Results?
The exact list changes by state and trip, but AARDY’s network has included Travelex, Trawick International, Seven Corners, IMG, AIG, and John Hancock, among others. Each is a licensed travel insurance carrier that underwrites and pays claims independently, so a strong review of AARDY’s comparison tool doesn’t guarantee the same experience with every partner insurer. Read the individual plan’s fine print, not just AARDY’s summary.
See Related: Thrifty Traveler Review: Save Big on Your Next Adventure with These Insider Tips
Using AARDY’s Comparison Tool
The tool works on desktop and mobile. You can filter results by coverage type, price, and provider rating, and each quote links out to the underwriter’s own policy documents before you buy. Open those documents before you commit, since they (not AARDY’s summary) govern your claim.
What Coverage Is Available Through AARDY?
Plans compared through AARDY typically bundle some combination of trip cancellation, trip interruption, emergency medical, medical evacuation, and baggage coverage. Which combination you get, and at what limit, depends entirely on the plan and underwriter you select. AARDY doesn’t set these limits itself.
Trip Cancellation and Interruption
Trip cancellation coverage reimburses non-refundable trip costs if you have to cancel before departure for a covered reason. Covered cancellation reasons vary by plan but commonly include illness or injury, a death in the family, severe weather, and job loss. Some plans add Cancel For Any Reason (CFAR) as an upgrade, which typically reimburses a percentage of trip cost rather than 100%. Check the specific list of covered reasons and any pre-booking window requirement before you buy, since a plan’s marketing summary and its policy wording don’t always match.
Emergency Medical and Evacuation
Emergency medical coverage, sometimes called travel health insurance, is usually the most important limit to check, since a foreign hospital stay or an air ambulance home can run into six figures. Emergency medical maximums on plans compared through AARDY have ranged as high as $500,000, with medical evacuation coverage separately capped as high as $1,000,000 on some plans. Lower-tier plans offer far less, so confirm the specific number on the plan you’re buying rather than assuming the highest figure applies.
Baggage Coverage and Reading the Fine Print
Baggage coverage protects against lost, stolen, or damaged luggage, and some plans add a separate baggage delay benefit that reimburses essentials if your bags are delayed for several hours. Total baggage limits and per-item caps (often a few hundred dollars for a single valuable item) vary by plan, so anyone traveling with expensive gear should check the per-item sub-limit specifically, not just the headline total.
Every plan also has exclusions and a deductible, if any. Exclusions are situations the policy won’t pay for; the deductible is what you pay out of pocket before coverage kicks in. Read both sections of the actual policy document, not just AARDY’s comparison summary, before you buy.
See Related: Traveling with Disabilities: Innovations and Improvements in Accessibility
Coverage for Specific Situations
Pre-Existing Conditions and Look-Back Periods
Traveling with a pre-existing condition means the look-back period matters more than almost any other detail. This is the window (commonly 60 to 180 days before your policy’s effective date, depending on the plan) an insurer checks to decide whether a condition counts as pre-existing. Some plans waive the pre-existing exclusion entirely if you buy your policy within a set number of days of your first trip deposit. That waiver window, not the plan’s price, is often the deciding factor for travelers managing an ongoing health condition.
European and International Trips
If you’re planning a European trip, confirm that your medical coverage extends to every country on your itinerary and that evacuation coverage includes repatriation home, not just transport to the nearest adequate hospital. Multi-city and multi-country trips also raise the odds you’ll need baggage or delay coverage, since more connections mean more chances for lost luggage or a missed transfer.
For a side-by-side look at a specific competing provider, see our RoamRight insurance review.
What Does AARDY Cost, and Is the Price Guarantee Real?
Travel insurance priced through AARDY generally runs 4% to 10% of your total trip cost, in line with the broader market. The exact number depends on trip cost, traveler age, coverage level, and any CFAR upgrade. AARDY advertises a price-match commitment: if you find the identical plan cheaper elsewhere, it says it will match the price. As with any price-match offer, confirm the plan, coverage limits, and effective date are truly identical before assuming a match applies, and get the match confirmed in writing before you rely on it.
If your trip budget is tight, comparing several plans through AARDY before buying is still worth the ten minutes it takes. Every dollar saved on insurance is a dollar you can spend on the trip itself, as long as you’re not cutting coverage limits you’ll actually need.
Buying a Policy Through AARDY, Step by Step
- Enter your destination, travel dates, trip cost, and traveler ages.
- Compare the returned plans by coverage type, limit, and price.
- Open the underwriter’s actual policy document for your top choice and check exclusions and the deductible.
- Complete checkout with a credit card or other supported payment method.
- Save the confirmation email. It contains your policy documents and the underwriter’s claims contact, which you’ll need if something goes wrong.
Most policies purchased through AARDY come with a review period (commonly 10 to 15 days, set by the underwriter, not AARDY) during which you can cancel for a full refund if you haven’t started your trip or filed a claim. Confirm the exact window on your specific plan before you buy.
AARDY Customer Service: What to Expect
AARDY offers phone and chat support for questions about choosing a plan, available on weekdays and weekends. Reviewers on Trustpilot and ConsumersAdvocate consistently single out AARDY’s pre-purchase support, meaning help comparing plans and explaining coverage differences, as a strength.
That distinction matters: AARDY’s support team can answer questions about which plan to buy, but once you file a claim, you’re dealing with the underwriter’s claims department, not AARDY. Reviewer complaints about claims delays or denials on ConsumersAdvocate are almost always about the specific underwriter’s process, not AARDY’s own service.
Is AARDY Legit? Trustpilot, BBB, and ConsumersAdvocate Ratings
Yes, AARDY is a legitimate, licensed travel insurance marketplace. On Trustpilot, AARDY holds a 4.9 out of 5 rating from close to 48,000 reviews, one of the highest scores among travel insurance marketplaces. Reviewers most often cite the comparison tool’s clarity and responsive pre-purchase support.
ConsumersAdvocate.org gives AARDY an overall 4.5 out of 5, “Excellent,” broken into 4.6/5 for coverage, 4.7/5 for extra benefits, 4.6/5 for financial strength, and 4.0/5 for price and reputation, its lowest sub-score. The site also confirms that AARDY donates 10% of its annual profits to the Special Operations Warrior Foundation, a charity supporting the families of fallen special operations service members.
One gap worth flagging: AARDY does not carry an official Better Business Bureau accreditation or letter-grade rating as of this update, even though its BBB profile page hosts customer reviews. That’s not a red flag on its own since plenty of legitimate companies skip BBB accreditation, but it means Trustpilot and ConsumersAdvocate are the more informative third-party sources for AARDY specifically.
Reviews aren’t uniformly glowing, and that balance is useful. On ConsumersAdvocate, one reviewer described a four-month wait to get a damaged-baggage claim paid, and another described a trip-interruption claim denied on a technicality after an airline-caused schedule change. Both complaints centered on the underwriter’s claims process rather than AARDY’s comparison tool, which reinforces the point above: read the specific underwriter’s claims track record, not just AARDY’s.
See Related: Should I Get Travel Insurance Through Alaska Airlines? Find Out Why It Could Save Your Trip!
Filing a Claim and Getting Help in an Emergency
Claims are filed with your underwriter, not with AARDY directly. Start by gathering documentation as soon as the incident happens: receipts, medical records, a police report for theft, and the airline’s own delay or cancellation notice if one applies. Most underwriters accept claims through an online portal.
Submit the claim form with every supporting document attached in one pass. Reviewers’ most common complaint, across underwriters, is being asked to resubmit the same documents multiple times. Keep copies of everything you send and note the date and confirmation number.
For an active emergency abroad, call the 24-hour assistance line listed on your policy documents, not AARDY’s general customer service number. That’s the number connected to the underwriter’s emergency coordination team, which can arrange medical evacuation or direct payment to a hospital.
AARDY Pros and Cons
| Pros | Cons |
| Compares plans from several underwriters in one search | AARDY doesn’t underwrite or pay claims itself; quality varies by provider |
| High third-party ratings: 4.9/5 Trustpilot, 4.5/5 ConsumersAdvocate | No BBB accreditation or rating as of this update |
| Price-match commitment on identical plans | Claims experience and payout speed depend on the underwriter, not AARDY |
| Pre-purchase phone and chat support on weekdays and weekends | Some reviewers report multi-month waits or denials tied to specific underwriters’ claims processes |
COVID-19 and Other Special Circumstances
Most plans compared through AARDY now treat COVID-19 like any other covered illness for trip cancellation and emergency medical claims, rather than excluding it outright, a shift from the blanket pandemic exclusions common in 2020 and 2021. Confirm this on your specific plan, since coverage still varies by underwriter and by state.
If you test positive before departure or become sick during your trip, the same claims process applies as any other illness: keep your test result or diagnosis documentation and any quarantine order, since the underwriter will ask for it.
AARDY’s platform also supports quotes for cruise-specific plans, adventure travel coverage, and annual multi-trip plans. For more on weighing the upfront cost against the protection, see our broader comparison of travel insurance marketplaces.
Frequently Asked Questions
Is AARDY good travel insurance?
AARDY itself doesn’t provide insurance. It’s a comparison marketplace with strong third-party ratings (4.9/5 on Trustpilot, 4.5/5 on ConsumersAdvocate). Whether the coverage you buy through it is “good” depends on which insurance carrier and travel insurance plan you select, since AARDY doesn’t set coverage limits or handle claims.
Does AARDY travel insurance cover pre-existing conditions?
Some plans compared through AARDY offer a pre-existing condition waiver if you buy within a set window (often around 14 to 21 days) of your first trip deposit. The look-back period and waiver terms vary by underwriter, so confirm both on the specific plan before you buy.
What is the most trustworthy travel insurance option?
There’s no single “most trustworthy” provider. Trustworthiness depends on the underwriter’s claims-payment track record for your specific type of claim. Comparing third-party ratings (Trustpilot, ConsumersAdvocate, BBB where available) for the individual underwriter you’re about to buy from, not just for the marketplace you’re shopping on, gives a clearer picture.
Is AARDY’s price guarantee worth relying on?
It’s a reasonable tiebreaker if you’ve already found the identical plan cheaper elsewhere, but confirm the coverage limits, effective date, and plan name match exactly before assuming the guarantee applies, and get any price match confirmed in writing.
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