Travel Accident Insurance

Also known as Accidental Death and Dismemberment Insurance (or AD&D).

What is Travel Accident Insurance

• Travel Accident Insurance pays you, or your beneficiary (or your estate if you do not name a beneficiary) a lump sum (e.g., $500,000) when an accident results in your loss of life, limb, or eyesight.

Features of Travel Accident Insurance:

• There are 3 major types of AD&D Plans:
  • Flight Accident AD&D pays a benefit only for accidents involving an airplane during the coverage period.
  • Common Carrier AD&D insurance pays a benefit only for accidents involving a common carrier during the coverage period.
  • 24-Hour AD&D pays a benefit for accidents that occur for any reason during the coverage period.
• "Common Carrier" means any licensed land, water, or air conveyance operated by those whose occupation or business is the transportation of persons for hire (e.g., airplane, train, bus, subway, tram, ferry, cruise ship, taxi, limo).
• AD&D is often included with Travel Medical insurance and Trip Protection plans. However, because of high demand, it is also sold separately.
• Coverage usually includes Terrorism, but some plans require that you purchase an additional Terrorism Rider. War is typically excluded, but War Risk AD&D is available separately.
• Available for instant online quoting and purchasing.