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Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment (AD&D) Insurance
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What is it?

AD&D Insurance is an add-on benefit that pays a lump sum in the event of death or dismemberment.

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Accidental death and dismemberment insurance, or as it's sometimes called, travel accident insurance, is a benefit that pays a lump sum amount to the insured’s beneficiary in the event of death due to a covered accident.

This add-on can also cover the insured themselves in the case of dismemberment (defined as loss of a limb) due to a covered accident.

Accidental death travel insurance is particularly vital for those traveling to regions with higher risks of accidents, ensuring coverage in the stark event of an unforeseen tragedy.

Why Accidental Death & Dismemberment (AD&D) Insurance Matters

If you're traveling in a dangerous area or working on high-risk tasks, AD&D insurance can give you and your loved ones necessary financial support. Without it, your surviving loved ones may suffer an additional financial blow.

AD&D travel accident insurance provides a lump sum in the event of an accidental death. In case of dismemberment (defined as a loss of limb), a fractional amount of the insurance is paid to the insured. AD&D insurance generally pays for loss of limb, loss of sight or permanent paralysis. The types of injuries covered and the amount paid varies from insurer to insurer, and will be explicitly stated in the insurance policy.

AD&D insurance is ideal for somebody who works in a high-risk profession, like construction or mining, but it's also recommended for those who travel frequently. Accidental death and dismemberment insurance can be purchased as an add-on for many travel insurance policies, so be sure to check with your travel insurance advisor.

AD&D insurance offers the following benefits:

  • Emergency evacuation
  • Trip cancellation
  • Trip interruption
  • Lost luggage

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!


Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.


Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!


Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.


Helpful articles

Select travel insurance plans can offer the valuable benefit of rental car collision insurance, either included or as optional add-on coverage to keep you protected.
Flight accident insurance provides coverage against accidents that occur while on a commercial flight to protect your loved ones in the event of an emergency.
Learn more about travel medical insurance terms, terminologies, and their meanings.

Accidental Death & Dismemberment (AD&D) Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare AD&D Insurance plans and buy them online, quickly and without excessive paperwork. AD&D Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.

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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.