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As the saying goes, it’s not a matter of if, but when the unexpected happens ... and that’s exactly why having an annual on-water assistance membership matters. But understand that not all boat-towing memberships are created equal, and in the age of the internet, we see some wild misconceptions about Sea Tow membership. Here are the biggest offenders:
Reality: An annual Sea Tow membership is never included with your boat insurance policy. And that is because membership benefits go far beyond what any towing coverage through insurance provides. You can choose to get a Sea Tow membership in addition to whatever coverage you might have with your insurance — but don’t confuse the two. The biggest benefit you lose with just towing through your insurance policy? Priority service. Without membership, you could be waiting for a while! Click here to read some FAQs that showcase the difference.
Reality: Compared to most boating expenses, a Sea Tow membership is likely the most affordable item to buy for your boat(s). The average cost of a tow without membership is now over $1,000; an annual Sea Tow Gold Card membership is $249. The current average cost of a gallon of gasoline is $3.45 on land and even more at fuel docks, and dockage can cost thousands a year — you do the math. Weigh your membership options here.
Reality: We’ve all seen what happens when friends tow friends. The bottom line? This is what we do. We’re 24/7/365 and whether it’s 1 p.m. or 1 a.m. … Sea Tow is standing by to help you. Most loyal members say, “We love you … but we hope we never have to call you!” and we take pride in that!
Sea Tow is the premium provider of on-water assistance. As a member, you get 24/7 priority and pay one annual rate for the clear coverage you receive with no fine print and no out-of-pocket surprises. Captains routinely arrive in under one hour from over 500 ports nationwide, because when you need help on the water, response time is everything.
Are you a member? AAA Members save 15% on all new Sea Tow memberships, including Lake Card.
Sea Tow®
Think Sea Tow® is covered by insurance or too expensive? Discover the top 3 myths about Sea Tow membership and why on-water assistance is worth it—24/7 coverage, fast response, and no surprises.
‡Offer valid through 9/02/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.
Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.
