This coverage provides a lump sum benefit if loss of life or limb occurs during a covered trip up to the limit defined in the policy.
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What does Accidental Death and Dismemberment cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Let us tell you a story
Celia’s husband, Dave, was very fond of diving – with sharks, with dolphins, just about anything – but Celia was water-phobic and never went near open water. So, once every year or so, Dave and his diving buddies would book an excursion somewhere exotic. This year, they decided to go to Belize and Celia went along to enjoy the sun and the wild cat preserve.
When she returned from her day looking for wild cats, the resort manager informed her that Dave and his buddies had been in a boating accident and Dave had not survived. Celia had to identify her husband’s body at the local hospital and arrange transportation home. Their travel insurance plan had coverage for accidental death, so Celia would not have to worry about covering Dave’s funeral expenses. The travel insurance plan also provided repatriation coverage, so Celia had help arranging and paying for transportation of Dave’s body to a mortuary in their home community.
This coverage provides benefits up to the policy limit if the insured sustains an injury that results in:
- your death
- total permanent loss of sight in one or both eyes
- permanent loss of one or both of your hands or feet
The loss must be a direct result of an accident and must occur within a certain number of days (usually 180-365) of the accident.
Death benefits are paid at 100% of the policy limit. Dismemberment benefits are paid at a percentage (typically 50%) for one loss and increase for multiple losses up to 100% of the policy limit. Refer to the schedule of benefits in the policy certificate for details.
This coverage does not provide for emergency medical evacuations or the repatriation of the insured’s remains. Those coverages are separate and designed to transport the insured to a location where medical treatment can be received, or, in the case of death, to a location where their body can be prepared for burial.
- This coverage may not extend to accidents that occur inside the insured’s home country
- This coverage does not provide for the transportation of the insured or the insured’s body–see emergency evacuation/repatriation coverage for transportation coverage
- Travel medical plans
- Trip protection package plans
- Standalone AD&D plans
In some cases, you can opt for additional AD&D coverage by adding an upgrade to the original policy benefit.
|Plan||Company||Policy limit||Days following|
|TravMed International *||FrontierMEDEX||$25,000||180|
|Preferred Plus||Global Alert||$50,000||180|
|Preferred Plus||Global Alert||$50,000||180|
|Diplomat America||Global Underwriters||$25,000||365|
|Diplomat LT||Global Underwriters||$25,000||365|
|Diplomat International||Global Underwriters||$25,000||365|
|U.S. Students Abroad||HTH Worldwide||$10,000||365|
|Global Student USA Preferred||HTH Worldwide||$10,000||365|
|TravelGap Voyager||HTH Worldwide||$25,000||365|
|TravelGap Excursion||HTH Worldwide||$50,000||365|
|Global Citizen||HTH Worldwide||$50,000||365|
|Global Citizen Exp||HTH Worldwide||$50,000||365|
|Liaison Student||Seven Corners||$10,000||365|
|Liaison Worldwide||Seven Corners||$25,000||365|
|Liaison Traveler||Seven Corners||$100,000||365|
|Liaison Continent||Seven Corners||$50,000||365|
|Wander Frequent Traveler||Seven Corners||$50,000 ($5,000 for dependent children)||365|
|Disciple Missionary Travel||Seven Corners||$25,000||365|
|Liaison Majestic||Seven Corners||$50,000||365|
|Liaison Silver||Seven Corners||$50,000||365|
|Immigrant Medical||Seven Corners||$25,000||365|
|Liaison International||Seven Corners||$25,000||365|
|Inbound Guest||Seven Corners||$25,000||365|
|Travel Plus||Travelex||$25,000||Not specified|
|Business Traveler||Travelex||$50,000 *||180|
|Travel Max||Travelex||$25,000||Not specified|
|Select Advantage||Travelex||$25,000||Not specified|
|Business Traveler||Travel Guard||$25,000||365|
|Sportsman's Travel||Travel Guard||$10,000||365|
|Tee, Tour, and Travel||Travel Guard||$10,000||365|
|Adventure Travel||Travel Guard||$10,000||365|
|Worldwide Health International **||Travel Guard||$25,000||365|
|Student USA Health||Travel Insurance||$5,000||365|
|InterMedical *||Travel Insurance||$10,000-$100,000||365|
|Voyager Annual||Travel Insurance||$25,000-$500,000||365|
|Worldwide Trip Protector Gold *||Travel Insured||$15,000-$25,000||180|
|Atlas Medical||Travel Insured||$5,000-$25,000 **||Not specified|
|Worldwide Trip Protector Gold *||Travel Insured||$25,000-$50,000||180|
* Optional or upgrade for a higher benefit amount available
** Principal sum varies by age
- This coverage provides a lump sum payout (up to the policy limit) in the case of death or permanent dismemberment
- Dismemberment benefits are paid at a percentage of the policy limit based on a schedule of benefits in the policy certificate
- This coverage does not provide transportation coverage for the injured or their mortal remains
- This coverage is in addition to the insured’s other life insurance or disability coverage