Travel insurance premiums are regulated and filed with each state's Department of Insurance, which means agencies cannot offer discounts on approved insurance plans. While AMAC members don't receive a price discount, they do receive access to specially selected plans, expert guidance, and personalized service through ICI Traveler.
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Do AMAC Members Get a Discount on Travel Insurance?

This is one of the most common questions we receive from AMAC members. The short answer is: No. AMAC members do not receive a discount on travel insurance premiums—but there's a good reason why. Unlike many products or services, travel insurance rates are regulated by state insurance departments. Insurance companies file their plans and pricing with each state's Department of Insurance, and those approved rates cannot be changed or discounted by agencies or brokers. Whether you purchase a plan directly from the insurance company or through a licensed travel insurance agency, the premium for the same plan is the same.


Why Can't Travel Insurance Be Discounted?

Travel insurance is a regulated insurance product.

Insurance companies submit their policy forms and pricing to state Departments of Insurance for approval. Once those rates are approved, agencies cannot simply lower the price or offer promotional discounts.

This helps ensure:

  • Consistent pricing for consumers
  • Compliance with state insurance regulations
  • Fair treatment across all purchasers
  • Transparency in insurance pricing

While you may see different plans with different prices, the premium for a specific plan is the same regardless of where you purchase it.


So What Do AMAC Members Receive?

Instead of a premium discount, AMAC members receive something many travelers find even more valuable—a trusted travel insurance partner.

ICI Traveler works closely with AMAC to help members:

  • Compare travel insurance options from multiple insurance companies
  • Understand the differences between plans
  • Choose coverage based on their specific trip and travel needs
  • Receive personalized assistance before, during, and after their travels

Rather than simply selling a policy, our goal is to help you make an informed decision.


What Makes the TripWise Plan Different?

The TripWise plan was originally developed with AMAC members in mind.

Through longstanding relationships with leading insurance companies and our partnership with AMAC, ICI Traveler worked with an insurance carrier to help create a plan that offers exceptional value for many travelers.

One feature many AMAC members appreciate is the ability to increase Emergency Medical and Emergency Medical Evacuation coverage for a modest additional premium. This can be especially valuable for travelers who rely on Medicare, which generally provides limited or no coverage outside the United States.

Although the TripWise plan is now available to other travelers, it continues to be one of our most popular recommendations for many AMAC members because of its balance of coverage and value.


Can Working with ICI Traveler Save Me Money?

Possibly. Because we compare plans from multiple insurance companies, we may be able to recommend an option that better fits your travel needs and budget.

In many cases, travelers are surprised to learn that two plans offering similar benefits may have significantly different premiums.

Rather than searching dozens of plans yourself, our experienced team helps identify options that provide strong coverage at a competitive price.


Why Do AMAC and ICI Traveler Work Together?

AMAC selected ICI Traveler because of our shared commitment to service, integrity, and helping travelers make informed decisions.

When you contact us, you're working with a U.S.-based team that takes the time to answer your questions, explain your options, and assist you before, during, and after your trip.

Our goal isn't simply to help you purchase travel insurance—it's to help you travel with confidence.


A Real-World Example

John and Susan, longtime AMAC members, are planning a two-week trip to Ireland.

After researching travel insurance online, they find several plans with different prices and aren't sure which one best fits their needs.

Instead of choosing based on price alone, they contact ICI Traveler. A licensed representative reviews their itinerary, answers their questions, and helps them compare several options. They ultimately choose the TripWise plan because it provides the level of emergency medical and evacuation coverage they're looking for at a competitive premium.

While they didn't receive a member discount, they gained confidence knowing they selected coverage that matched their travel plans.


Frequently Asked Questions
Question Answer
Do AMAC members receive a travel insurance discount? No. Insurance premiums are filed with each state's Department of Insurance and cannot be discounted by agencies.
Why is the price the same everywhere? Approved insurance rates are regulated and must be sold at the filed premium for that specific plan.
What is the benefit of purchasing through ICI Traveler? You receive personalized guidance, plan comparisons, and ongoing support before, during, and after your trip.
Is the TripWise plan only for AMAC members? No. While it was originally developed with AMAC members in mind, the TripWise plan is now available to other travelers as well.
Can ICI Traveler help me compare plans? Yes. Our licensed team can compare travel insurance options from multiple providers to help you find coverage that fits your trip and budget.

⚖️ Important Information
This article is provided for general informational purposes only and does not guarantee coverage or benefit eligibility. Travel insurance plans vary by provider, and all benefits are subject to the terms, conditions, limitations, and exclusions of the policy purchased.

ICI Traveler is not the insurance carrier or claims department and cannot determine claim outcomes. All coverage decisions, claim approvals, and reimbursements are made solely by the licensed insurance company or claims administrator identified in your policy documents.

We encourage every traveler to review their complete policy documents to fully understand their coverage.

💙 Need Help? The ICI Traveler Team Is Here for You
We're here when you need us. Before reaching out, we encourage you to explore our 🔎 Help Center, where you'll find
answers to hundreds of common travel insurance questions, coverage explanations, travel tips, and policy guidance.

📧 For general questions and non-urgent support: support@icitraveler.com

📞 For urgent questions or assistance before or during your travels: (800) 576-2674 / (719) 573-9080

Trusted travel insurance guidance for every destination, every traveler, every journey.