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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 benefit can also cover the insured themselves in the case of dismemberment (defined as loss of a limb) due to a covered accident.
AD&D insurance, or Accidental Death and Dismemberment insurance, is a common travel insurance benefit that offers coverage in the event of a traveler’s death or serious dismemberment due to a covered accident.
AD&D insurance can cover the death or dismemberment of a traveler due to an accident during their travels. The benefit will be paid out to the beneficiary that is listed on the traveler’s insurance policy.
Dismemberment typically refers to as the loss of a limb, loss of sight, or permanent paralysis.
The types of accidents covered can vary from plan to plan, but will be stated in the policy’s description of coverage.
The AD&D benefit pays a lump sum amount, as listed in your policy’s benefit schedule, to a chosen beneficiary if the traveler were to pass away or lose a limb during the effective period of their policy.
This means that the beneficiary will receive a one-time lump sum payment in the amount listed in the benefit summary of the plan in the event of a covered death or dismemberment.
Additionally, this type of insurance can also cover the traveler themselves in the event of dismemberment due to a covered accident, in which a fractional amount would be paid out to the insured.
Accidental Death and Dismemberment coverage is an extremely valuable benefit, as it helps protect a traveler’s family or loved ones in the event of an untimely death or dismemberment.
The lump sum benefit from AD&D insurance can greatly support family members during a difficult time as it can help contribute to associated costs such as the burial and funeral.
AD&D insurance is beneficial for all types of travelers. Regardless of your age or situation, AD&D insurance can help alleviate the financial burden that a sudden passing or serious injury can bring.
With AD&D insurance, travelers can have peace of mind knowing that their loved ones will be taken care of in the event of an unexpected death or dismemberment.
Yes! Most travel insurance policies include Accidental Death and Dismemberment coverage. Additionally, some travel insurance plans also give the option of adding additional AD&D coverage to your plan for a higher lump sum payout.
This benefit is just another reason why travel insurance is so crucial for all travelers.
Ready to cover your adventure and journey with peace of mind? Get a quote with VisitorsCoverage for your trip and make sure your policy includes coverage for AD&D.
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AD&D coverage, or Accidental Death and Dismemberment coverage, is the insurance benefit paid out if one or more of the following occur: - an accident results in death, or an accident causes loss of hands, feet, eyesight, speech, hearing, etc. Review the benefit details for a particular insurance policy for details of limits. In the event of the death of the insured person, the AD&D insurance beneficiary is the assigned person who will receive the benefits as stated in the policy. It is recommended to assign a beneficiary who is not accompanying the policyholder while he/she is traveling.
An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card.
Plans that include AD&D coverage can also cover Covid-19 related treatment and services as long as the virus was contracted after the policy effective date. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
To purchase an AD&D insurance plan, you will need to have the following information ready: Name(s) of travelers, Date of birth(s), Coverage duration, home country address, and a valid credit card for the purchase.
Pre-existing conditions are generally not covered by most travel insurance plans. This means the insurance company will not pay for expenses related to any illness, disease, or condition that occurred during the specified time period before your coverage starts. However, for certain plans, the exclusion for pre-existing conditions can be waived if the following conditions are met:
(1) Your payment for the policy was made within the time-sensitive period before your initial deposit date.
(2) You insure all prepaid trip costs that are subject to cancellation penalties or restrictions.
(3) You are not disabled at the time your premium is paid.
To find plans that offer coverage for pre-existing conditions or to discuss your specific situation, feel free to contact us at support@visitorscoverage.com or call 1-866-384-9104.
The Patriot series plans can offer an optional Accidental Death and Dismemberment supplemental rider that can be added to your purchase. The optional rider is available for those traveling for 3 months or more.
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.
Disclaimer
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.
