Accidental death and dismemberment insurance (AD&D) pays a lump sum amount in the event of death or dismemberment due to a covered accident.

If the insured party dies, accidental death insurance provides your beneficiary with payment.

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 may not cover you under the following circumstances:

  • Death as a result of sickness
  • Death during surgery
  • Death resulting from mental or physical illness
  • Drug overdose death

For example, you would not be covered in the following circumstances:

  • death by suicide or intentional injury
  • death on the battlefield
  • car crash due to a heart attack
  • Below are three plans that offer the AD&D benefit. Coverage details vary by plan so be sure to read each policy brochure carefully.

    Important facts about AD&D coverage:

    • AD&D covers you for injury or death resulting from a covered accident.
    • AD&D insurance will not cover you for death as a result of sickness.
    • It can be purchased as an add-on for an existing policy or as a separate policy.

    If you have any questions about AD&D insurance, contact one of our licensed insurance agents at

    Visit our extensive knowledge center to better understand AD&D Insurance, international travel insurance, and more.