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AAA Travel Insurance Review 2024: Is it Worth the Cost?

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Table of Contents

What does AAA travel insurance cover?

Aaa single-trip plans, aaa annual plans, which aaa travel insurance plan is best for me, can you buy aaa travel insurance online, what isn’t covered by aaa travel insurance, aaa travel insurance, recapped.

• You don't need to be an AAA member.
• Annual or single-trip policies are available.
• Can add on a Rental Car Damage protector plan.
• Cheapest option doesn't include medical coverage.
• CFAR upgrade is only available for higher-cost plans.

Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance.

The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

» Learn more: The majority of Americans plan to travel in 2022

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans.

* Higher limit requires receipts to be submitted.

AAA single-trip plans cost

The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

The Basic Plan ($111) includes all the features of the Essential Plan, along with medical coverage and some increased protections for baggage and travel delays.

The Classic ($140) and Premier Plans ($174) are nearly identical, but the latter provides double emergency medical coverage, emergency transportation, trip delay and baggage delay limits.

The Classic Plan offers a "cancel for any reason" optional upgrade for $71, which would bring the total to $211.

There is also a Rental Car Damage protector plan for $135, which provides $1,000 of trip interruption and baggage loss coverage and $40,000 of rental car damage and theft benefits. This plan will cover your costs if the rental car is stolen or damaged. In addition, you’ll be reimbursed for the unused portion of your trip and if your bags are lost or damaged. This plan offers an alternative to purchasing coverage at the rental counter.

» Learn More: Cancel For Any Reason (CFAR) travel insurance explained

The annual policies provide 365 days of domestic and international coverage and are best suited for those who travel often. To see which plans are available, we input a $15,000 annual travel budget for coverage starting in July 2020 for a 30-year-old from New Hampshire. For this itinerary, AAA is offering four policies, with the three higher-end plans geared toward business travelers.

AAA annual plans cost

The Annual Deluxe Plan ($275) is designed for those who aren’t too concerned with pre-trip cancellation benefits or business equipment protections and are more interested in medical coverage while abroad. If you already have some travel insurance through a credit card, this plan may be sufficient.

The next three Annual Executive Plans ($500-$785) are tiered based on the amount of trip cancellation and interruption coverage provided ($5,000, $7,500 or $10,000). All the other protections under the Executive Plans are identical. All three plans include business equipment coverage as well as business equipment rental and delay protections. If you’re traveling for work, these plans may be your best bet.

Although all four of these are annual plans, no individual trip can exceed 45 days. For trips longer than 45 days, Allianz offers an AllTrips Premier plan , which provides coverage for up to 90 days per trip.

» Learn more: What to know before buying travel insurance

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling.

If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals.

If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Yes, you can buy AAA Travel Insurance onlince. Head over to Agentmaxonline.com , input your trip details and choose “Get Quote” to see a list of available plans.

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

» Learn more: Will travel insurance cover winter weather woes?

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.

The cost of a travel insurance policy depends on many factors , including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it .

The cost of a travel insurance policy

depends on many factors

, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit

AAA’s travel insurance site

and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if

travel insurance is worth it

AAA was found to be one of the best travel insurance companies according to NerdWallet's most recent analysis.

Before shopping for a policy, check to see what coverage you may already have. Some premium credit cards provide travel insurance. If you hold one of these credit cards and the coverage limits are adequate, you may only need a standalone emergency medical insurance policy . However, if your credit card doesn’t cover you sufficiently, a comprehensive travel insurance plan might be the right choice. AAA offers a few plans to pick from, but the choices boil down to annual or single-trip insurance plans.

No matter what type of traveler you are, AAA offers various trip insurance options to choose from. Rates and options vary by state, so be sure to input your information into the online tool.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Manage your AAA membership, insurance, & services online

Featured online services.

Enroll to save paper and get your insurance billing statements and policy documents electronically. 1

Skip the phone lines and chat with our virtual assistant. On average, making a request takes less than 4 minutes and may be submitted 24/7. 

AAA membership

Enjoy legendary benefits including Roadside Assistance, vacation planning, free maps and travel guides, and exclusive discounts.

Lost your membership card? Instantly print a paper version or request a new plastic replacement card. 

Conveniently access your membership card on your mobile device using the Auto Club App.

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Auto, home, & life insurance.

You could save hundreds by switching to AAA. Enjoy savings, service, and security.

Get coverage for the place you call home with competitive rates from AAA. 

AAA offers an array of products to meet your needs in every stage of life.

Manage your insurance

Contact us 24/7 to file a claim on your AAA auto or home insurance policy. We’ll gather the facts to determine how to proceed, help select applicable coverages and benefits, and do our best to address any concerns.

Manage your travel reservations or travel insurance

If you made travel reservations online, you can find and manage your air, car, hotel, cruise, and select vacation packages.

Find your travel insurance policy from Allianz Global Assistance and make changes online.

Manage your AAA credit card or ID theft protection

Review transactions, download statements, and pay your credit card bills online.

Log in to the Experian site to manage your ProtectMyID account. 

Additional resources

Get answers to questions like how to create and manage your online account, reset your password, make a payment, and policy changes.

Understand AAA membership accounts and policies from Roadside assistance details to whom your membership covers.

Get answers to questions about types of auto insurance, coverage, eligibility, premiums, and deductibles.

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1 Paperless is currently available in CA, HI, ME, NH, NM, PA, TX, VA, and VT. Paperless is not yet available for membership bills, life insurance, and some other insurance policy types.

AAA MEMBERSHIP

BENEFITS OF AAA AUTO CLUB MEMBERSHIP AND WHY HAVE IT

AAA MEMBERSHIP GOES WITH YOU EVERY MILE OF LIFE’S JOURNEY

A AAA membership is the perfect companion for anyone traveling America's roadways. Whether you're a parent navigating local roads to school, shops and sporting events, weekend travelers heading to that next great destination, or retirees traversing the country from coast to coast, a AAA membership goes with you every mile.

DRIVE WITH PEACE OF MIND

AAA members drive with peace of mind. In the event of an unexpected occurrence, they are just a click or call away from professional, courteous AAA roadside assistance. AAA’s fleet of certified technicians answer the call, day or night and in any weather condition, to assist with battery service, jumpstarts, lockouts, tire changes and, when needed, tows to nearby auto repair shops.

For trusted car repair service, AAA members have access to nearly 7,000 Approved Auto Repair facilities that meet AAA’s high standards for appearance, technician training and certification, insurance coverage and customer satisfaction. AAA regularly inspects every Approved Auto Repair facility and surveys their customers to ensure ongoing performance. In addition, AAA members receive special benefits that include auto repair discounts, an extended 24-month/24,000-mile parts and labor warranty, and AAA assistance in resolving repair-related issues. Access to the shop network is easy at AAA.com/AutoRepair.

AIDING MOTORISTS FOR MORE THAN 100 YEARS

At the turn of the century when automobiles started replacing horse-drawn buggies, drivers began forming motor clubs. Nine of those clubs joined together to create a national motoring organization and on March 4, 1902, in Chicago, founded the American Automobile Association. Since its inception, AAA has dedicated itself to the ongoing needs of motorists – lobbying for safe and efficient highways, standing up for the legal rights of all travelers, and delivering quality benefits and services to its members, on the road and wherever those roads lead.

AAA IS MUCH MORE THAN A TOW TRUCK SERVICE

Our members count on us when the unexpected occurs on the road, but a AAA membership is much more than roadside assistance and tow truck service. So what does AAA membership include? AAA members have 24/7 mobile and online access to various products, services and information resources to assist them in everyday life, and the added benefit of in-person professional assistance at AAA offices across North America.

Join today and take advantage of all that a AAA membership has to offer. Use it for shopping and dining discounts. Save money on movie tickets and attraction admission. Even get complimentary identity theft protection and access to financial and insurance products. When traveling, get maps, travel guides and passport photos, and enjoy car rental discounts and special member offers on cruises, tours and more booked through AAA preferred partners.

AAA MEMBER SERVICES FOR EVERY MEMBERSHIP PLAN

AAA offers different membership plans so you can choose the one that’s best for you. Visit your club AAA.com website to view a side-by-side comparison of the inclusions for Basic, Plus, Premier and other membership offerings. All plans include towing and lockout services plus all other AAA membership benefits. When you join you will receive your AAA card indicating your chosen membership tier. A digital version card also is available to you in the AAA Mobile app.

Want to share the benefits? Associate and gift membership options enable you to share the security and savings with those you love. What’s more, you can choose automated AAA membership renewal to ensure that you and your family stay secure year-round while saving time and money too.

CELEBRATING 60 MILLION AAA MEMBERS

Our growing community of AAA members is now more than 60 million strong! We value your trust in us and will continue to work tirelessly on your behalf, advocating for safe roads, delivering unrivaled roadside assistance, providing travel expertise and offering products and services to meet your needs. We encourage you to stay connected through AAA.com, AAA member magazines and e-newsletters, and AAA on Facebook and Twitter to know what’s new, what’s happening and how to get the most from your membership every day.

As a not-for-profit membership organization, our priority remains focused on one thing - YOU - our valued member.

Not yet a member? Join AAA today and enjoy all the benefits of membership.

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Travel Member Benefits

AAA Travel advisors can provide first-hand knowledge and recommendations you wouldn’t otherwise be able to get on your own. The greatest benefit of using AAA Travel is that as an AAA member, you’ll get access to exclusive member benefits and savings. When you book your next vacation with AAA, receive the following exclusive AAA member benefits and so much more.

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Car Rentals

Dollar rent a car.

Get up to 15% savings on published retail rates on all car classes in the U.S. and Canada when booked in advance plus other exclusive Member Benefits (including free child safety seat, and extra drivers at no additional cost).

Get up to 20% savings on daily, weekend, weekly and monthly rentals in the U.S. and Canada plus other exclusive Member Benefits (including free child safety seat, extra drivers at no additional cost, and young renter fee waived).

• Additional qualified AAA drivers are FREE
• FREE use of child safety seat, infant or booster seat, a savings of $11.99/day!
• 10% off Hertz's per gallon price for Fuel Purchase Option!
• Triple rewards when you use your AAA Member Rewards Visa

Thrifty Car Rental

Get up to 10% savings on published retail rates in all car classes in the U.S. and Canada when booked in advance plus other exclusive Member Benefits (including free child safety seat, and extra drivers at no additional cost).

Receive 8% savings on published retail rates in all car classes in the U.S. and Canada when booked in advance. Receive 10% daily discount on navigation unit (GPS) at the time of rental pickup.

Terms and conditions for all member benefits: Restrictions apply. Member benefits subject to change. Member benefits may not be combinable with additional offers. See your AAA Travel Agent for full details. Membership card may be required at check-in.

AmaWaterways

Save up to $600 per stateroom, plus receive a welcome gift of a bottle of wine and box of chocolates (Europe Cruises) or $50 per stateroom shipboard credit (Asia, Colombia, Egypt & Africa Cruises). Plus, book select AAA Vacations® sailings and save an additional $200 per stateroom and get up to a $300 shipboard credit per stateroom.

• $Receive up to $300 per stateroom onboard spending credit
• $200 per stateroom savings

Get up to a $150 shipboard credit per stateroom when booking Club Ocean view staterooms or above on select sailings.  Plus, book a AAA Vacations® and receive $200 per stateroom onboard credit.

• $200 per stateroom onboard spending credit

Member benefits are made at the discretion of Azamara Club Cruises, based on sailing date and booking window, and may be changed.

Book a Fun Select rate and get up to a $200 onboard credit.  Or book a select AAA Vacations® sailing and get a 2-category upgrade, 50% reduced deposit, and up to a $75 shipboard credit per stateroom.

Applicable only with FunSelect Fares and may be capacity controlled.

Celebrity Cruises

Get up to a $175 shipboard credit per stateroom when booking an ocean view stateroom or above. Galapagos departures are excluded.

• Priority check-in on day of embarkation
• Up to $100 per stateroom onboard spending credit

Member benefits are made at the discretion of Celebrity Cruises, based on sailing date and booking window, and may be changed.

Get up to a $900 shipboard credit per stateroom (based on stateroom category and sailing length). For sailings departing now through April 30, 2025, you'll also enjoy enhanced afternoon tea service, and complimentary dining in either of Cunard’s alternative dining restaurants on select sailings.

• Up to $400 per stateroom onboard spending credit
• Enhanced afternoon Tea Service for two
• Complimentary dinner in Kings Court or Lido specialty restaurants (first two guests in stateroom)

Holland America Line

Get a $50 onboard credit per person for the 1st and 2nd guests in your stateroom on select sailings.  Plus, book a AAA Vacations® sailing for another $50 onboard credit per person for the 1st and 2nd guests in your stateroom and  $50 Denali Dollars per person for first two guests on Alaska Cruisetours Verandah staterooms and above.

• Pinnacle Grill Dinner (for two)
• Canaletto Dinner (for two)
• $50 per person beverage card

Hurtigruten

Get 90 Euro per person onboard credit for all sailing dates except: Hurtigruten Norwegian Coastal Express (300/600 NOK) or MS Santa Cruz II Galápagos sailings ($100.00 USD per person).

• Pre-paid gratuities for first two guests in stateroom
• Wine tasting for first two guests in stateroom

AAA Vacations® amenities only valid in ocean view stateroom or higher.

Oceania Cruises

Receive up to $100 onboard spending credit on all sailings when booked in a verandah category and above. For AAA Vacations sailings, the first two guests in the stateroom also receive free Pre-Paid Gratuities.

Get a $100 shipboard credit per person on all 2024 sailings.

Princess Cruises

Each quarter, book select sailings with reduced deposits and enjoy  a complimentary Princess Medallion Clip (first two guests in the stateroom).  Book a AAA Vacations® sailing, in a balcony, mini-suite, cabana or suite stateroom, and get up to $150 onboard credit per stateroom and a $50 shore excursion credit per stateroom.

• Dinner for two in a specialty restaurant (first two guests in stateroom)

Regent Seven Seas Cruises

Enjoy up to $200 per suite onboard spending money on select sailings.  Or, book AAA Vacations® departures, and get up to $500 onboard credit per suite.

• Complimentary Regent Choice shore excursion
• Private cocktail party

Royal Caribbean International

Members get a complimentary bottle of sparkling wine and a plate of six chocolate covered strawberries delivered to their stateroom prior to departure and up to $100 per stateroom complimentary onboard credit for balcony and above stateroom categories. Plus, book a balcony or above stateroom on any 7-night or longer sailing and get one free 8x10 or digital photo per stateroom.

• Dinner for two in a specialty restaurant on select sailings
• Bottle of sparkling wine delivered to your stateroom

Member benefits are made at the discretion of Royal Caribbean International, based on sailing date and booking window, and may be changed at any time.

Seabourn Cruise Line

Get $300 per suite (double occupancy) onboard spending credit on select departures. Singles receive $150 per suite.

Get up to $300 per person shipboard credit on select sailings.

UNIWORLD BOUTIQUE RIVER CRUISE COLLECTION

Save up to $500 per stateroom (based on sailing length). Plus, book select AAA Vacations® departures and get a $300 per couple shipboard credit.

Viking Cruises

Get a $100 shipboard credit per person on itineraries ranging from 8 to 11 days and get a $200 shipboard credit per person on itineraries of 12 days or more.

• Complimentary one night pre-cruise hotel with breakfast (Limited availability per departure)
• Airport to hotel transfers
• Hotel to river boat transfers

U by Uniworld

Receive $100 per stateroom onboard spending credit on all departures.

Uniworld Boutique River Cruise Collection

Receive up to $250 per person savings.

• Choice of complimentary one-night pre-cruise hotel with breakfast and roundtrip transfers or $300 per stateroom onboard spending credit. AAA Vacations® amenity based on sailing date, and may be changed

Best Western

Save 5% or more when booking AAA rates and earn 10% bonus points with the AAA/CAA Preferred SM Best Western Rewards® program.

Save up to 10% off and Hilton Honors members earn points and other benefits.

Save 5% or more and earn World of Hyatt points when booking AAA rates.

SSave 5% or more when booking AAA/CAA rates. Guests enrolled in Marriott Bonvoy will also earn points for reservations at the AAA/CAA rates.

MGM Resorts International

Save 10% and earn MGM Rewards Points when booking AAA rates.

Must book AAA rates.  Valid AAA Membership required. Not valid with other discounts or promotions. Good at participating locations only. Other restrictions may apply. Offer subject to change without notice.

Tours and Vacations

Aaa member choice vacations.

Save $50 per person on all itineraries.  Plus, book a AAA Vacations® departures and get up to a $75 pre-booked optional tour experience credit.

AFRICAN TRAVEL

Save up to $250 per person (based on trip cost). Book select AAA Vacations® departures and enjoy double Member Benefit savings up to $500 per person.

ALEXANDER + ROBERTS

Get up to $115 savings per person. Plus on select AAA Vacations® itineraries, enjoy a complimentary pre-tour night with chauffeured transfer and breakfast.

Learn More  

AMTRAK VACATIONS

Save up to $50 per booking on packages 5 nights or longer, plus get a $100 Bounce Back Coupon valid toward your next Amtrak Vacations trip inclusive of 3 destinations.  Book a AAA Vacations® departure, and enjoy double the Member Benefit savings.

ATI – AMERICANTOURS INTERNATIONAL

Get $25 per person member discount on DriveAmerica or $50 per person member discount on vacation rental bookings of 7 days or more.  

AVANTI DESTINATIONS

Book a 3- to 6-night package with one full-day excursion and get $50 off per person, or book a 7-night package with two full-day excursions and get $100 off per person.  Plus, $25 savings on a car rental of one week or more.

Save up to 15% when you book a qualifying package.

BRENDAN VACATIONS

Get a $40 optional experience credit per person on guided vacations and up to $75 savings per person on Custom Vacations including Locally Hosted, Private Chauffeur and Self Drive Vacations. Book a select AAA Vacations® departure and receive additional benefits.

Get a $40 discount per person on guided vacations and on self-drive packages save $25 per booking plus get a complimentary GPS.

CLUB ADVENTURES

Get a $50 discount per person on any adventure applied at time of booking.  Book a AAA Vacations departure and enjoy double Member Benefit savings.

CONTIKI TOURS

Book a 7+ day trip and get a $50 optional excursion credit to further enhance your trip.  Book multiple qualifying trips and get additional credit.

Get a $40 optional experience credit per person.  For select departures, you may enjoy a $40 per person discount instead of the optional experience credit. 

COUNTRY WALKERS

Get a pair of Leki Voyager Trekking poles per person.

DELTA VACATIONS

Get up to $100 off per booking when you book a qualifying air and hotel package.

GRAND CANYON RAILWAY

Book any Grand Canyon Railway & Hotel package with 2+ nights and receive room upgrade, late check out, and 10% off a single retail purchase.

INSIGHT VACATIONS

Get a $40 optional experience credit per person (exclusions apply). Book a AAA Vacations® departure and get $80 per person optional experience voucher on all Europe Country Roads & all Europe Easy Pace trip styles. And when you book a Luxury Gold vacation, you’ll save $150 per person.

MICATO SAFARIS

Get a $150 per person gift credit to Micato’s Online Safari Shop. 

PLEASANT HOLIDAYS & JOURNESE

Get up to a $100 activity credit or up to $100 savings per booking.

RAILBOOKERS

Save $50 per booking on packages 5 - 6 days or $100 per booking on packages 7 days or longer.  For AAA Vacations® departures, enjoy double Member Benefit savings.

ROCKY MOUNTAINEER

Book a qualifying 2024 Rocky Mountaineer package of 4 days or more and receive $150 off per couple for travel on Canadian routes and $100 off per couple for travel on the US route.

When booking Tauck airfare with your tour, you’ll save up to $150 per person (up to $75 on domestic tours and up to $150 on international tours) .

Get a $40 optional experience credit per person. Book a AAA Vacations® departure and get an $80 optional experience credit per person.

TRAVEL IMPRESSIONS

Get up to a $50 credit on an optional tour and where applicable, receive a Future Trip savings offer.

Get a $50 credit to VBT Online Store per person.

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Could Trump Go to Prison? If He Does, the Secret Service Goes, Too

Officials have had preliminary discussions about how to protect the former president in the unlikely event that he is jailed for contempt during the trial.

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By William K. Rashbaum

The U.S. Secret Service is in the business of protecting the president, whether he’s inside the Oval Office or visiting a foreign war zone.

But protecting a former president in prison? The prospect is unprecedented. That would be the challenge if Donald J. Trump — whom the agency is required by law to protect around the clock — is convicted at his criminal trial in Manhattan and sentenced to serve time.

Even before the trial’s opening statements, the Secret Service was in some measure planning for the extraordinary possibility of a former president behind bars. Prosecutors had asked the judge in the case to remind Mr. Trump that attacks on witnesses and jurors could land him in jail even before a verdict is rendered.

(The judge, who held a hearing Tuesday morning to determine whether Mr. Trump should be held in contempt for violating a gag order, is far more likely to issue a warning or impose a fine before taking the extreme step of jailing the 77-year-old former president. It was not immediately clear when he would issue his ruling.)

Last week, as a result of the prosecution’s request, officials with federal, state and city agencies had an impromptu meeting about how to handle the situation, according to two people with knowledge of the matter.

That behind-the-scenes conversation — involving officials from the Secret Service and other relevant law enforcement agencies — focused only on how to move and protect Mr. Trump if the judge were to order him briefly jailed for contempt in a courthouse holding cell, the people said.

The far more substantial challenge — how to safely incarcerate a former president if the jury convicts him and the judge sentences him to prison rather than home confinement or probation — has yet to be addressed directly, according to some of a dozen current and former city, state and federal officials interviewed for this article.

That’s at least in part because if Mr. Trump is ultimately convicted, a drawn-out and hard-fought series of appeals, possibly all the way up to the U.S. Supreme Court, is almost a certainty. That would most likely delay any sentence for months if not longer, said several of the people, who noted that a prison sentence was unlikely.

But the daunting challenge remains. And not just for Secret Service and prison officials, who would face the logistical nightmare of safely incarcerating Mr. Trump, who is also the presumptive Republican nominee for President.

“Obviously, it’s uncharted territory,” said Martin F. Horn, who has worked at the highest levels of New York’s and Pennsylvania’s state prison agencies and served as commissioner of New York City’s correction and probation departments. “Certainly no state prison system has had to deal with this before, and no federal prison has had to either.”

Steven Cheung, the communications director for Mr. Trump’s campaign, said the case against the former president was “so spurious and so weak” that other prosecutors had refused to bring it, and called it “an unprecedented partisan witch hunt.”

“That the Democrat fever dream of incarcerating the nominee of the Republican Party has reached this level exposes their Stalinist roots and displays their utter contempt for American democracy,” he said.

Protecting Mr. Trump in a prison environment would involve keeping him separate from other inmates, as well as screening his food and other personal items, officials said. If he were to be imprisoned, a detail of agents would work 24 hours a day, seven days a week, rotating in and out of the facility, several officials said. While firearms are obviously strictly prohibited in prisons, the agents would nonetheless be armed.

Former corrections officials said there were several New York state prisons and city jails that have been closed or partly closed, leaving wings or large sections of their facilities empty and available. One of those buildings could serve to incarcerate the former president and accommodate his Secret Service protective detail

Anthony Guglielmi, the spokesman for the Secret Service in Washington, declined in a statement to discuss specific “protective operations.” But he said that federal law requires Secret Service agents to protect former presidents, adding that they use state-of-the-art technology, intelligence and tactics to do so.

Thomas J. Mailey, a spokesman for New York State’s prison agency, said his department couldn’t speculate about how it would treat someone who has not yet been sentenced, but that it has a system “to assess and provide for individuals’ medical, mental health and security needs.” Frank Dwyer, a spokesman for the New York City jails agency, said only that “the department would find appropriate housing” for the former president.

The trial in Manhattan, one of four criminal cases pending against Mr. Trump and possibly the only one that will go to a jury before the election, centers on accusations he falsified records to cover up a sex scandal involving a porn star. The former president is charged with 34 counts of felony falsifying business records. If convicted, the judge in the case, Juan M. Merchan, could sentence him to punishments ranging from probation to four years in state prison, though for a first-time offender of Mr. Trump’s age, such a term would be extreme.

If Mr. Trump is convicted, but elected president again, he could not pardon himself because the prosecution was brought by New York State.

Under normal circumstances, any sentence of one year or less, colloquially known as “city time,” would generally be served on New York City’s notorious Rikers Island, home to the Department of Correction’s seven jails. (That’s where Mr. Trump’s former chief financial officer, Allen H. Weisselberg, 76, is currently serving his second five-month sentence for crimes related to his work for his former boss.)

Any sentence of more than a year, known as state time, would generally be served in one of the 44 prisons run by New York State’s Department of Corrections and Community Supervision.

The former president could also be sentenced to a term of probation, raising the bizarre possibility of the former commander in chief reporting regularly to a civil servant at the city’s Probation Department.

He would have to follow the probation officer’s instructions and answer questions about his work and personal life until the term of probation ended. He would also be barred from associating with disreputable people, and if he committed any additional crimes, he could be jailed immediately.

Maggie Haberman contributed reporting.

William K. Rashbaum is a Times reporter covering municipal and political corruption, the courts and broader law enforcement topics in New York. More about William K. Rashbaum

Our Coverage of the Trump Hush-Money Trial

News and Analysis

After Donald Trump was held in contempt and fined for violating a gag order, the judge overseeing the trial conducted a hearing to determine if Trump had broken the rules again .

Michael Cohen, Trump’s former fixer who paid the hush money at the heart of the case, hasn’t testified at the trial. But he’s been a focus .

Jurors heard riveting testimony from Keith Davidson , the lawyer who had arranged the hush-money payment  between Trump and a porn star, Stormy Daniels. Davidson also described an earlier deal to buy the silence of another woman, Karen McDougal.

More on Trump’s Legal Troubles

Key Inquiries: Trump faces several investigations  at both the state and the federal levels, into matters related to his business and political careers.

Case Tracker:  Keep track of the developments in the criminal cases  involving the former president.

What if Trump Is Convicted?: Could he go to prison ? And will any of the proceedings hinder Trump’s presidential campaign? Here is what we know , and what we don’t know .

Trump on Trial Newsletter: Sign up here  to get the latest news and analysis  on the cases in New York, Florida, Georgia and Washington, D.C.

Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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Biden-Harris Administration Announces Final Rule Requiring Automatic Refunds of Airline Tickets and Ancillary Service Fees

Rule makes it easy to get money back for cancelled or significantly changed flights, significantly delayed checked bags, and additional services not provided  

WASHINGTON – The Biden-Harris Administration today announced that the U.S. Department of Transportation (DOT) has issued a final rule that requires airlines to promptly provide passengers with automatic cash refunds when owed. The new rule makes it easy for passengers to obtain refunds when airlines cancel or significantly change their flights, significantly delay their checked bags, or fail to provide the extra services they purchased.

“Passengers deserve to get their money back when an airline owes them - without headaches or haggling,” said U.S. Transportation Secretary Pete Buttigieg . “Our new rule sets a new standard to require airlines to promptly provide cash refunds to their passengers.”  

The final rule creates certainty for consumers by defining the specific circumstances in which airlines must provide refunds. Prior to this rule, airlines were permitted to set their own standards for what kind of flight changes warranted a refund. As a result, refund policies differed from airline to airline, which made it difficult for passengers to know or assert their refund rights. DOT also received complaints of some airlines revising and applying less consumer-friendly refund policies during spikes in flight cancellations and changes. 

Under the rule, passengers are entitled to a refund for:

• Canceled or significantly changed flights: Passengers will be entitled to a refund if their flight is canceled or significantly changed, and they do not accept alternative transportation or travel credits offered. For the first time, the rule defines “significant change.” Significant changes to a flight include departure or arrival times that are more than 3 hours domestically and 6 hours internationally; departures or arrivals from a different airport; increases in the number of connections; instances where passengers are downgraded to a lower class of service; or connections at different airports or flights on different planes that are less accessible or accommodating to a person with a disability.  
• Significantly delayed baggage return: Passengers who file a mishandled baggage report will be entitled to a refund of their checked bag fee if it is not delivered within 12 hours of their domestic flight arriving at the gate, or 15-30 hours of their international flight arriving at the gate, depending on the length of the flight.  
• Extra services not provided: Passengers will be entitled to a refund for the fee they paid for an extra service — such as Wi-Fi, seat selection, or inflight entertainment — if an airline fails to provide this service.

DOT’s final rule also makes it simple and straightforward for passengers to receive the money they are owed. Without this rule, consumers have to navigate a patchwork of cumbersome processes to request and receive a refund — searching through airline websites to figure out how make the request, filling out extra “digital paperwork,” or at times waiting for hours on the phone. In addition, passengers would receive a travel credit or voucher by default from some airlines instead of getting their money back, so they could not use their refund to rebook on another airline when their flight was changed or cancelled without navigating a cumbersome request process.  

The final rule improves the passenger experience by requiring refunds to be:

• Automatic: Airlines must automatically issue refunds without passengers having to explicitly request them or jump through hoops.   
• Prompt: Airlines and ticket agents must issue refunds within seven business days of refunds becoming due for credit card purchases and 20 calendar days for other payment methods.  
• Cash or original form of payment: Airlines and ticket agents must provide refunds in cash or whatever original payment method the individual used to make the purchase, such as credit card or airline miles. Airlines may not substitute vouchers, travel credits, or other forms of compensation unless the passenger affirmatively chooses to accept alternative compensation.    
• Full amount: Airlines and ticket agents must provide full refunds of the ticket purchase price, minus the value of any portion of transportation already used. The refunds must include all government-imposed taxes and fees and airline-imposed fees, regardless of whether the taxes or fees are refundable to airlines.

The final rule also requires airlines to provide prompt notifications to consumers affected by a cancelled or significantly changed flight of their right to a refund of the ticket and extra service fees, as well as any related policies.

In addition, in instances where consumers are restricted by a government or advised by a medical professional not to travel to, from, or within the United States due to a serious communicable disease, the final rule requires that airlines must provide travel credits or vouchers. Consumers may be required to provide documentary evidence to support their request. Travel vouchers or credits provided by airlines must be transferrable and valid for at least five years from the date of issuance.

The Department received a significant number of complaints against airlines and ticket agents for refusing to provide a refund or for delaying processing of refunds during and after the COVID-19 pandemic. At the height of the pandemic in 2020, refund complaints peaked at 87 percent of all air travel service complaints received by DOT. Refund problems continue to make up a substantial share of the complaints that DOT receives.

DOT’s Historic Record of Consumer Protection Under the Biden-Harris Administration

Under the Biden-Harris Administration and Secretary Buttigieg, DOT has advanced the largest expansion of airline passenger rights, issued the biggest fines against airlines for failing consumers, and returned more money to passengers in refunds and reimbursements than ever before in the Department’s history.

• Thanks to pressure from Secretary Buttigieg and DOT’s flightrights.gov dashboard, all 10 major U.S. airlines guarantee free rebooking and meals, and nine guarantee hotel accommodations when an airline issue causes a significant delay or cancellation. These are new commitments the airlines added to their customer service plans that DOT can legally ensure they adhere to and are displayed on flightrights.gov .  
• Since President Biden took office, DOT has helped return more than $3 billion in refunds and reimbursements owed to airline passengers – including over $600 million to passengers affected by the Southwest Airlines holiday meltdown in 2022.   
• Under Secretary Buttigieg, DOT has issued over $164 million in penalties against airlines for consumer protection violations. Between 1996 and 2020, DOT collectively issued less than $71 million in penalties against airlines for consumer protection violations.  
• DOT recently launched a new partnership with a bipartisan group of state attorneys general to fast-track the review of consumer complaints, hold airlines accountable, and protect the rights of the traveling public.  
• In 2023, the flight cancellation rate in the U.S. was a record low at under 1.2% — the lowest rate of flight cancellations in over 10 years despite a record amount of air travel.  
• DOT is undertaking its first ever industry-wide review of airline privacy practices and its first review of airline loyalty programs.

In addition to finalizing the rules to require automatic refunds and protect against surprise fees, DOT is also pursuing rulemakings that would:

• Propose to ban family seating junk fees and guarantee that parents can sit with their children for no extra charge when they fly. Before President Biden and Secretary Buttigieg pressed airlines last year, no airline committed to guaranteeing fee-free family seating. Now, four airlines guarantee fee-free family seating, and the Department is working on its family seating junk fee ban proposal.  
• Propose to make passenger compensation and amenities mandatory so that travelers are taken care of when airlines cause flight delays or cancellations.   
• Expand the rights for passengers who use wheelchairs and ensure that they can travel safely and with dignity . The comment period on this proposed rule closes on May 13, 2024.

The final rule on refunds can be found at https://www.transportation.gov/airconsumer/latest-news and at regulations.gov , docket number DOT-OST-2022-0089. There are different implementation periods in this final rule ranging from six months for airlines to provide automatic refunds when owed to 12 months for airlines to provide transferable travel vouchers or credits when consumers are unable to travel for reasons related to a serious communicable disease. 

Information about airline passenger rights, as well as DOT’s rules, guidance and orders, can be found at   https://www.transportation.gov/airconsumer .

Holy Protection Monastery, home of St. Matrona’s relics, celebrates 25th anniversary of resumed monastic life

Moscow, October 15, 2019

Holy Protection Monastery in Moscow is the biggest center of pilgrimage in the city, and one of the most important in the entire Russian Church. Hundreds and thousands flock to the monastery every day to venerate the precious relics of St. Matrona of Moscow, considered the “8th Pillar” of Russia.

Yesterday, the convent celebrated its patronal feast, which this year doubled as a celebration of the 25th anniversary of its reestablishment after the fall of the Soviet Union.

The feast began the evening before with the celebration of the All-Night Vigil by His Grace Bishop Dionysius of Voskresensky, during which the Akathist to the Protection of the Mother of God was read.

The Divine Liturgy in the morning was celebrated by His Holiness Patriarch Kirill together with 19 other hierarchs of the Russian Church and a number of priests and deacons, reports the monastery website .

The monastery was opened by decision of the Holy Synod of the Russian Church on November 24, 1994.

Upon arrival at the holy monastery, the Patriarch first venerated the holy relics of St. Matrona and then celebrated the Divine Liturgy in the Church of the Holy Protection.   

Special prayers were read for the unity of the Orthodox Church and the preservation of the Church from divisions and schisms, as well as a prayer for peace in Ukraine. Pat. Kirill also ordained a Moscow deacon to the priesthood during the Liturgy.

Following the Liturgy, the glorification of the Mother of God was celebrated, then Abbess Theophania greed Pat. Kirill and presented him with an icon of the Protection of the Mother of God.

His Holiness addressed the gathered faithful with a primatial word and presented the monastery with a set of veils for the chalice and diskos for feasts of the Mother of God.

Holy Protection Monastery was founded as a men’s monastery in 1635 by Tsar Mikhail Feodorovich in memory of his father, Patriarch Philaret, who reposed on the feast of the Protection. The stone cathedral was initially built in 1655 and rebuilt in 1806-1814. The Church of the Resurrection and a bell tower were built in the 18th century.

The monastery was severely damaged during the War of 1812, and the Church of the Resurrection was rebuilt and consecrated in 1855.

The monastery took on a missionary focus under the reign of Metropolitan St. Innocent in the late 19th century, training several dozen monastic missionaries.

The churches of the monastery were closed in 1926, and the monastery itself in 1929. In the ensuing decades, the monastery housed a park, a printing house, a magazine editorial office, a sports hall, a billiard room, a film studio, and a cinema department.

The monastery was returned to the Church in 1994 and reopened as a convent on November 24, 1994. Abbess Theophania, previously a nun of the famous Diveyevo Monastery, was appointed abbess on February 22, 1995. The first Liturgy was served within the half-ruined walls of the monastery in October 1995. There were 5 nuns in addition to Mother Theophania at that time.

Three altars in the Holy Protection Church were consecrated on April 4, 1998. The relics of St. Matrona were transferred to the monastery on May 1, 1998, and she was glorified as a locally-venerated saint the next day. She was approved for Churchwide veneration in 2004.

Since then, several other churches have been consecrated, as well as the rebuilt bell tower and holy spring. The monastery today has more than 50 nuns.

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More From Forbes

Mother’s day gift guide 2024: best sunscreens for travel.

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Using sunscreen every single day, no matter the weather or tie of year, is a must.

While it might be tempting to shop for a gift with a big wow factor this Mother’s Day, why not spring for something practical—an item your mom will actually use on a regular basis?

Enter sunscreens. They’re not be flashy or luxe, but they are an everyday necessity, regardless of the weather or time of year. And why? “UV rays travel through the clouds to damage our skin even on cloudy rainy days and in winter,” explains Dr. David Kim , a board-certified dermatologist at New York City’s Idriss Dermatology . He adds, “It's hands down the best anti-aging skincare product, because UV rays degrade collagen and elastin, while causing fine lines, wrinkles, and hyperpigmentation.” Also important to note is that skin cancer—which affects 20% of Americans and typically results from cumulative UV exposure—is preventable with regular use of sunscreen and staying out of the sun.

Sunscreens can be broken down into two categories: physical and chemical. Zinc Oxide and Titanium Dioxide are FDA-approved for use in mineral sunscreens—which block and reflect UV rays—while chemical suncreens usually feature oxybenzone, avobenzone, and, octocrylene that work by absorbing UV rays. Chemical sunscreens are better at resisting sweat and water, but “can irritate sensitive skin and get absorbed in significant levels,” says Dr. Kim. Also, oxybenzone and octinoxate are harmful to coral reefs—so much so they’re banned in Hawaii. If you’re someone who’s prone to hyperpigmentation or are in the midst of family planning (egg retrieval, IVF, pregnancy, breastfeeding), Dr. Kim recommends sticking with physical sunscreens.

No matter your preferences, let this gift guide of ten face sunscreens ideal for even sensitive and oily skin take the guesswork out of finding one that’ll suit you best.

Lightsaver Activated Mineral Sunscreen (SPF 33) - Tinted, $45

Lightsaver Activated Mineral Sunscreen SPF 33

“What I learned throughout my career is that people know the importance of sunscreen,” says Dr. Kim. “However, many don't like to use sunscreen because of the heavy texture and unpleasant scent.” That’s why he created Lightsaver , an award-winning mineral sunscreen that makes daily SPF application “a true pleasure to use.” The groundbreaking formula is lightweight, subtly tinted for a natural glow, and so gentle it’s been approved by the National Eczema Association.

Your Best Look Yet At The New iPhone 16

Trump media stock djt at risk of a new short selling plunge, ryan garcia what s ostarine and how could a boxer use it to cheat, naked sundays spf50 cabanaclear™ water gel serum, $25.

Naked Sundays SPF50 CabanaClear™ Water Gel Serum

While silicones are safe for topical use and found in many face sunscreens, they can trigger itchiness and redness on very sensitive faces. To remedy that, the popular Australian sunscreen company Naked Sundays developed this breakthrough clear gel SPF serum that’s silicone-free, water-based, and transparent for an invisible finish.

Ciele blush & PROTECT SPF 50+, $44

Ciele Blush & Protect SPF 50+

What’s the one makeup item that instantly lends every complexion, regardless of age or background, an alluring and radiant glow? Blush. This genius product from the luxurious sunscreen-cosmetic brand founded by makeup artist Nikki DeRoest marries the ease of a cream blusher—just dab and tap away —with SPF 50.

Prequel Wide Brimmed UPF 50+ Hat, $30

Prequel Wide Brimmed UPF 50+ Hat

While wearing SPF daily is the best way to shield yourself again the sun’s harmful rays, hats also come in handy. And this chic new one from Prequel checks all the boxes. It’s made from breathable cotton, and sports a wide brim to protect and cool your face and neck. It also boasts a UPF50+ protection rating, and is reversible so you can wear it two ways.

Sunbetter Tone Smart SPF 68 Sunscreen Compact, $65

Sunbetter Tone Smart SPF 68 Sunscreen Compact

Packaged in a sleek mirrored compact for quick application throughout the day, this creamy mineral-based sunscreen evens out skin tone for a soft, natural glow. Just press the sponge into the buildable product, then tap liberally onto the face, neck, and chest. Don’t forget the back of your hands, which tend to show age faster.

Colorescience Sunforgettable® Total Protection Brush-On, $69

Colorescience Sunforgettable® Total Protection Brush-On

While many of us have gotten into the healthy habit of putting on suncreen first thing in the morning, far less of us are good about reapplying every two hours throughout the day. Enter this handy produc t from Colorescience combining a soft brush and mineral-based powder SPF. Using it couldn’t be any easier: just tap and flick, then generously swirl on. Don’t forget your ears, which are the third most common place for skin cancer.

Vacation Shake Shake SPF 50, $29

Vacation Shake Shake SPF 50

The playful retro design of Vacation’s just-unveiled Shake Shake is one of several reasons why it’s one of the buzziest new sunscreens. The innovative “Shakerball” makes using it engaging and even fun, while the brand’s proprietary ZincWater™ dries silky smooth with no white cast. It layers beautifully under makeup, too, with zero pilling.

OneSkin OS-01 SHIELD Protect + Repair SPF 30+, $48

OneSkin OS-01 SHIELD Protect + Repair SPF 30

Sunscreen protect your face from future sun-induced damage, but how many can reverse existing damage? This mineral-based version from OneSkin can. A proprietary Senescence Blocking Peptide targets aging cells that trigger the decline of healthy cells, while a potent pair of antioxidants and non-nano mineral-based broad spectrum SPF offer comprehensive, peace-of-mind protection.

Herbivore Star Seed Sheer Glow Mineral Sunscreen SPF 30, $38

Herbivore Star Seed Sheer Glow Mineral Sunscreen SPF 30

According to the Centers for Disease Control and Prevention (CDC), the sun’s UV rays can damage your skin within as little as 15 minutes. So to make everyday sunscreen use easy and a pleasure, Herbivore recently launched this whipped and freshly-scented mineral-based SPF combining SPF 30, vitamin C, and antioxidant-rich VitaGlow D.

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CBP Reminds Great Lakes Pleasure Boaters of Reporting Requirements

DETROIT – Boating season is approaching fast and U.S. Customs and Border Protection’s (CBP) Office of Field Operations reminds travelers of pleasure boat reporting requirements in the Great Lakes region.

Operators of small pleasure vessels arriving from a foreign port or place, to include any vessel which has visited a hovering vessel or received merchandise outside the territorial sea, are required to report their arrival to CBP immediately upon landing in the U.S.

As part of CBP’s comprehensive effort to improve the security of our nation's borders while enhancing legitimate travel, the agency encourages the use of CBP ROAM ™ for reporting offsite arrival. CBP ROAM™ is a free mobile application, available on both the Apple App Store and Google Play Store , that allows pleasure boaters to conveniently report their U.S. entry to CBP via their personal smart device or a tablet.

CBP ROAM™ qualifies as an Alternative Inspection System that satisfies the boat operator's legal requirement to report for face-to-face inspection in accordance with 8 CFR 235.1, with some exceptions:

• Travelers who require an I-94.
• Travelers who must pay duties on imported goods; and
• Other circumstances as applicable.

Reporting may also be made to the CBP office nearest to your point of entry . Additional information about pleasure boat reporting requirements can be found here .

Follow us on X (formerly Twitter) at @DFODetroit and @CBPGreatLakes .

U.S. Customs and Border Protection (CBP) is America’s frontline:  the nation’s largest law enforcement organization and the world’s first unified border management agency. The 65,000+ men and women of CBP protect America on the ground, in the air, and on the seas. We facilitate safe, lawful travel and trade and ensure our country's economic prosperity. We enhance the nation’s security through innovation, intelligence, collaboration, and trust. 

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