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Accidental Death and Dismemberment

Travel is fun and exciting. Wherever you visit, exciting experiences await and so do many new adventures; however along with new adventures, there can also be risks. Accidental Death and Dismemberment (AD&D) insurance is something nobody wants to think about. But it can help your loved ones to be financially secure if an accident does happen while overseas..

There is no way to predict if an accident will occur and AD&D insurance coverage is an important part of protecting your family if you were to become permanently disabled or die prematurely while traveling.

Accidental Death and Dismemberment, also known as AD&D, coverage pays an indemnity (a lump sum payment) up to the amount specified in the travel insurance policy for the loss of life or dismemberment to the insured or their beneficiary.

Death benefits are paid at 100% of the policy limit; dismemberment benefits are paid at a percentage for one loss and increase for multiple losses up to 100% of the policy limit. Loss of life benefits are paid in addition to any benefits paid by other life insurance plans.

There are three different types of Accidental Death and Dismemberment coverage:

  • Common Carrier- This covers accidents occurring only while you are travelling in a common carrier i.e. airplane, cruise ship, train. It also covers incidents occurring while boarding and alighting from the common carrier.
  • Flight only- This cover only applies if the incident occurs while you were boarding/alighting or traveling on an airplane.
  • 24 hour-This is a comprehensive cover which means that you’d be covered at all times during the duration of your trip, whether you were traveling on a common carrier at the time of any incident or not. This is continuous AD&D coverage from the time you leave on your scheduled departure date to the time you get back home.