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Protect Your Trip with Accidental Death and Dismemberment Insurance

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Travel insurance for U.S. citizens with trip protection coverage - Highlights

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Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

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Medical evacuation

Transportation to or between hospitals as needed.

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Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

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Lost baggage

Pays sum for lost or delayed luggage by airline.

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Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

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

Accidental Death and Dismemberment (AD&D) Insurance provides financial protection if you die or suffer serious injury in an accident. Unlike regular life insurance, AD&D covers only accidents, not illnesses or natural causes.

Key Benefits of AD&D Insurance:

  • Accidental Death Coverage: Lump-sum payment to your beneficiaries if you die due to an accident.
  • Dismemberment Benefits: Partial or full payout if you lose a limb, eyesight, or suffer permanent disability.
  • Extra Protection During Travel & Work: Optional coverage for accidents on trips or at the workplace.
  • Affordable Supplement: Often offered as a low-cost addition to life or travel insurance.

🌟Why Choose Accidental Death and Dismemberment (AD&D) Insurance?

Choosing Accidental Death and Dismemberment (AD&D) Insurance gives you and your loved ones an extra layer of financial protection against unexpected accidents. Unlike regular life insurance, AD&D specifically covers accidental injuries or death, ensuring your family stays financially secure during tough times.

  • Extra Financial Security: Provides a lump-sum payout for accidental death or serious injury
  • Affordable Protection: Usually costs less than traditional life insurance
  • Covers Serious Injuries: Offers partial payments for loss of limbs, sight, or other permanent disabilities.
  • Travel and Work Safety: Many policies include coverage for accidents during travel or on the job.
  • Peace of Mind: Know that your family is financially supported if an accident changes your life unexpectedly.

✨ Who Is Eligible for Accidental Death and Dismemberment (AD&D) Insurance?

Accidental Death and Dismemberment (AD&D) insurance is generally available to most adults, but eligibility can vary depending on where and how you buy the policy.

  • Travelers Age: Most insurers cover people between 18 and 70 years old
  • Employment: Employees may get coverage through their employer, while individuals can buy their own policy
  • Dependents: Some plans allow adding a spouse and children
  • Occupation: Most jobs are eligible, though high-risk professions may face restrictions or higher premiums.

🌍 Which Plans Cover Accidental Death & Dismemberment Insurance?

iTravelInsured Travel SE Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

The iTravelInsured Travel SE plan includes Accidental Death & Dismemberment (AD&D) coverage, offering added financial protection for travelers and their families. This benefit provides compensation in the event of a covered accidental injury or loss of life during the trip, ensuring peace of mind throughout your journey.

Key benefits :
  • Accidental Death & Dismemberment coverage with a $25,000 Common Carrier Accidental Death benefit, including protection for exposure and disappearance.
  • Travelers can choose trip cost up to $150,000
  • Medical evacuation and Repatriation of Remains covered up to $500,000.
  • Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.

iTravelInsured Travel LX Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

iTravelInsured Travel LX is a travel protection plan with highest levels of benefits of all iTravelInsured plans for elite discerning travelers. Cancel For any reason and Interruption for Any Reason (CFAR/IFAR) can be purchased as an optional upgrade at an additional cost.

Key benefits :
  • Accidental Death & Dismemberment coverage with a $100,000 Common Carrier Accidental Death benefit, including protection for exposure and disappearance.
  • Travelers can choose trip cost up to $150,000
  • Medical evacuation and Repatriation of Remains covered up to $1,000,000.
  • Accident and Sickness medical expense covered up to $500,000.

iTravelInsured Choice Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

IMG Itravelinsured Choice is perfect for families traveling within the U.S. or cruising overseas, couples and solo travelers exploring the globe, weekend escapes, business trips, and almost any journey in between. This plan provides comprehensive coverage for common issues such as trip cancellation, interruption, delays, lost baggage, and more.

Key benefits :
  • The plan includes 24-hour Accidental Death & Dismemberment coverage with a maximum benefit of $10,000.
  • The plan provides trip cost coverage of up to $10,000.
  • The plan includes emergency medical evacuation coverage of up to $500,000 per person.

Safe Travels Armor

star Rating:A (Excellent) edit_square Underwriter: Starr Indemnity & Liability Company

Safe Travels Armor is available to US residents traveling within the United States and abroad. The Safe Travels Armor plan covers trip cancellation 100% up to $100,000 and trip interruption 150%. Also included is $100,000 primary emergency accident and sickness medical coverage.

Key benefits :
  • Accidental Death & Dismemberment coverage includes $25,000 for Common Carrier accidents and $10,000 for 24-hour worldwide coverage.
  • Trip Cancellation is covered for 100% of trip cost with this plan up to a trip cost of $100,000.
  • Emergency medical evacuation and repatriation is covered for $1,000,000.
  • Up to $100,000 of Primary Medical coverage.

Safe Travels Protect

star Rating:A (Excellent) edit_square Underwriter: Starr Indemnity & Liability Company

Safe Travels Protect is a trip cancellation insurance plan available only to US residents and citizens traveling to the US and abroad, as coverage for up to $14k for trip cancellation and trip interruption. Additionally, it provides $25k in primary emergency accident and sickness medical coverage.

Key benefits :
  • Accidental Death & Dismemberment coverage provides $10,000 for 24-hour worldwide protection.
  • Up to $25,000 of Primary Medical coverage.
  • Emergency medical evacuation and repatriation is covered for $250,000.

Safe Travels Rental Plus

star Rating:A (Excellent) edit_square Underwriter: United States Fire Insurance Company

Safe Travels Rental Plus vacation rental insurance plan covers trip cancellation up to $10,000 for non-refundable travel arrangement payments such as vacation rentals, hotels, airfare and additional pre-paid amounts for your trip.

Key benefits :
  • Accidental Death & Dismemberment coverage provides $10,000 for both Common Carrier accidents and 24-hour worldwide protection
  • Emergency medical evacuation and repatriation is covered for $250,000.

Pathway Premium

star Rating:A (Excellent) edit_square Underwriter: Technology Insurance Company or Wesco Insurance Company

Pathway Premium by Trawick International is a high-tier, all-inclusive travel protection and medical coverage plan designed for U.S. citizens traveling within the country or abroad for 90-day trips or less. If you're going on a lavish getaway, a trip to multiple countries, or a business expedition overseas, this premium plan offers increased coverage and increased flexibility for today’s discerning travelers.

Key benefits :
  • Accidental Death & Dismemberment coverage provides $25,000 for both Common Carrier accidents and 24-hour worldwide protection
  • Trip Cost Upto $150,000
  • Emergency medical evacuation and repatriation is covered for $1,000,000.

Pathway Domestic

star Rating:A (Excellent) edit_square Underwriter: Technology Insurance Company or Wesco Insurance Company

Pathway Domestic by Trawick International is a budget-friendly and dependable travel protection insurance plan designed specifically for U.S. residents traveling within the United States. Whether you're planning a family road trip, a solo getaway, or a business visit across states, this plan offers essential coverage for unexpected trip disruptions.

Key benefits :
  • Accidental Death & Dismemberment coverage provides $10,000.
  • Trip cost upto $150,000

💡 How AD&D benefit Coverage Works Under Travel Insurance?

Accidental Death and Dismemberment (AD&D) coverage under a travel insurance plan provides essential financial protection in the event of a severe accident during your trip. If the insured traveler dies as a direct result of an accident, the policy pays a lump-sum benefit to the designated beneficiary. In cases where the accident causes loss of a limb, eyesight, hearing, or other specified physical functions, a percentage of the coverage amount is paid according to the policy terms.

This coverage is specifically designed for travel-related incidents, such as transportation accidents, slips, or other unforeseen events that occur while traveling. AD&D benefits help ensure that your family or beneficiaries receive timely financial support in the event of an accidental death or serious injury during your trip.

Factors to Consider When Choosing AD&D travel insurance benefit

  • Evaluate Your Risk: If your trip involves higher accident risks such as adventure sports, driving abroad, or visiting remote areas AD&D coverage provides essential financial protection.
  • Supplementary Protection: AD&D benefits act as an additional safety net, complementing your existing life or health insurance by covering accidents that occur specifically during your travels.
  • Family Security: The payout can help your family manage unexpected expenses such as emergency medical costs, repatriation, or loss of income resulting from a travel-related accident.

How to Get travel insurance with AD&D travel insurance benefit?

Accidental Death and Dismemberment (AD&D) coverage is typically included or available as an optional feature within travel insurance plans. Travelers can access this benefit in the following ways:

  • Included in Comprehensive Plans: Most full-featured travel insurance policies automatically include AD&D benefits as part of their standard coverage.
  • Optional Upgrade: Some insurers offer the option to increase the AD&D coverage limit or purchase an enhanced tier for additional protection at a nominal cost.
  • Beneficiary Designation: It is important to specify a beneficiary when purchasing the policy to ensure that the benefit amount is paid promptly to the intended recipient in the event of a covered accident.

📘 What is not covered by AD&D travel insurance?

Accidental Death and Dismemberment (AD&D) insurance only provides benefits for accidents. It does not cover losses or death caused by illness, natural causes, or certain risky behaviors.

  • Death or injury due to illness or natural causes
  • Suicide or self-inflicted injuries
  • Accidents caused by drugs or alcohol
  • Injuries from dangerous or illegal activities
  • Accidents related to high-risk occupations (sometimes)
  • Pre-existing medical conditions

❓Have questions?

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❓Best Accidental Death and Dismemberment insurance – FAQs

1. Is AD&D insurance the same as life insurance?

No. AD&D insurance is usually a separate policy from standard life insurance. Life insurance covers death from any cause, while AD&D is limited to accidents.

2.Can I add AD&D insurance to my existing life insurance?

Yes, many insurance companies offer AD&D as an add-on to your life insurance or other insurance policies.

3. Are there age limits for AD&D insurance?

Yes, many AD&D policies have age restrictions for both the policyholder and the beneficiary. Commonly, you can get AD&D insurance up to age 70, but the specific age limits can vary by insurer.

4. Does AD&D cover death or injury due to natural disasters or terrorism?

Some policies do include these events, while others may exclude them. It’s important to check the terms for specific coverage related to natural disasters, terrorism, or war-related incidents.

5. Is Accidental Death and Dismemberment (AD&D) insurance worth it?

AD&D insurance can be a good supplement to other forms of coverage, especially if you engage in activities that increase accident risk. However, since it’s often limited to specific types of injuries, it’s usually more beneficial when paired with other forms of insurance like life or disability insurance.

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