Start your AD & D travel insurance comparison | finder.com
Accidental death and dismemberment (AD & D) travel insurance

Accidental death and dismemberment (AD & D) travel insurance

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

What is accidental death travel insurance?

Accidental death and dismemberment travel insurance (AD&D) gives financial protection for you and your family should you die while you’re traveling abroad. AD&D provides your beneficiaries with a lump sum payment for the following:

  • Accidental death.
  • Loss of sight in one or both eyes.
  • Permanent loss of one or both your hands and feet.

Many travel insurance policies provide AD&D coverage including:

  • Standalone accidental death and dismemberment.
  • AD&D as part of a travel medical policy.
  • AD&D as part of a comprehensive policy.

find out more about accidental death and dismemberment travel insurance

Promoted
Atlas Travel

Why we like: Atlas Travel Insurance

Before you head on your next trip, consider the protection that travel insurance can offer you and your loved ones.

  • Choose from several different policies to protect your trip.
  • Option to create custom coverage that fits your travel needs.
  • Comprehensive plans for individuals, groups and business travelers.
  • Includes a suite of emergency travel benefits such as medical evacuation.

    Apply for AD & D Insurance

    Details Features
    Travelex Flight Insure Multi-Trip AD&D Only
    Travelex Flight Insure Multi-Trip AD&D Only
    Accidental death and dismemberment coverage for unlimited trips.
    • Policy lasts for a 12 month period
    • Covers AD&D only
    Go to site More info
    RoamRight Travel Insurance Elite
    RoamRight Travel Insurance Elite
    The most comprehensive package from RoamRight with the highest levels of coverage.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $50,000
    • Baggage coverage: $2,500
    • Trip delay: $200/day up to $1,500
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
    • Reimburses up to 75% of the insured trip cost
    • Must cancel within 48 hours before scheduled departure
    • Offered on trips with a maximum value of $10,000
    Go to site More info
    Atlas Premium
    Atlas Premium
    Comprehensive coverage with higher limits and a range of additional benefits.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $2,000,000
    • Baggage coverage: $1,000
    • Trip delay: $200/day up to $400
    Go to site More info
    Atlas Travel
    Atlas Travel
    Customizable policy that balances between the basic essentials and premium coverage.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $2,000,000
    • Baggage coverage: Up to $500
    • Trip delay: $100/day up to 2 days
    Go to site More info
    Travelex Business Traveler
    Travelex Business Traveler
    Standard travel insurance protection (single and multi trip) with customizable options.
    • Trip interruption: $1,000
    • Trip delay: $750
    • Baggage coverage: $2,000
    • Professional/business property: $500
    Go to site More info
    Atlas Essential
    Atlas Essential
    Affordable coverage for the basic necessities while you're traveling the world.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $1,000,000
    • Medical evacuation & repatriation: $500,000
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    Increased limits of coverage, plus trip interruption insurance worth 150% of the trip cost.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $50,000
    • Baggage coverage: $1,000
    • Trip delay: $200/day up to $1,000
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    The most comprehensive protection plan offered by Travelex. Offers optional Cancel For Any Reason upgrade.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $100,000
    • Baggage coverage: $2,500
    • Trip delay: $1,000
    Go to site More info
    Travelex Travel Select
    Travelex Travel Select
    Family friendly plan with free coverage for children under 17. Options to customize or upgrade to Adventure Sports coverage.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $50,000
    • Baggage coverage: $1,000
    • Trip delay: $250/day up to $750
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
    • Trip cancellation: $1,000
    • Emergency medical expenses: Up to $50,000
    • Baggage coverage: Up to $2,000
    • Trip interruption: Up to $1,500
    Go to site More info
    Seven Corners Wander Frequent Traveler - Annual
    Seven Corners Wander Frequent Traveler - Annual
    Coverage for as many trips as you want for travel periods lasting up to 30 or 45 days.
    • Emergency medical expenses: $1,000,000
    • Medical evacuation & repatriation: $1,000,000
    • Baggage coverage: $500
    • Trip interruption: $5,000
    Go to site More info
    Travelex Travel Basic
    Travelex Travel Basic
    Essential travel coverage — with the option to customize — that can protect the cost of your trip.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $15,000
    • Baggage coverage: $500
    • Trip delay: $250/day up to $500
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Make sure you're covered in case your planned trip unexpectedly goes awry.
    • Trip cancellation: $1,000
    • Emergency medical expenses: Up to $25,000
    • Baggage coverage: Up to $1,000
    • Trip interruption: Up to $1,500
    Go to site More info
    Seven Corners Liaison Travel Medical
    Seven Corners Liaison Travel Medical
    Coverage when traveling outside your home country with terms between 5 days to 3 years.
    • Emergency medical expenses: Up to $5,000,000
    • Medical evacuation & repatriation: Up to $1,000,000
    • Baggage coverage: Up to $1,000
    • Trip interruption: Up to $10,000
    Go to site More info
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Comprehensive coverage for the cost of your trip, your medical expenses and your belongings.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: Up to $250,000
    • Baggage coverage: Up to $2,500
    • Trip delay: Up to $1,500
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Choose the coverage amount that meets your needs. Baggage and trip delay protection included.
    • Flight accident AD&D: Up to $1,000,000
    • Emergency medical expenses: $10,000
    • Baggage coverage: $1,000
    • Medical evacuation & repatriation: $100,000
    Go to site More info
    Seven Corners Student Travel Insurance
    Seven Corners Student Travel Insurance
    Specialized coverage for students, faculty and scholars who are traveling abroad for educational or research purposes.
    • Emergency medical expenses: $1,000,000
    • Medical evacuation & repatriation: Up to $100,000
    • Accidental death & dismemberment: $25,000
    Go to site More info

    What’s covered?

    AD&D travel insurance provides travelers with protection against accidents resulting in death or dismemberment. After you have an accident, insurers usually allow between 181 to 365 days to file a claim. For example, if you’re involved in a car accident that damages your hand, you may not know until your return home that you need it amputated. If it’s within the maximum coverage period, insurers should cover the medical costs. While coverage varies, AD&D travel insurance generally covers:

    • Accidental death.
    • Dismemberment where you lose one or both hands or one or both feet, or the loss a thumb or index finger.
    • Permanent and irrecoverable loss of audible communication.
    • Loss of complete, permanent and irreversible sight in one or both eyes.
    • Loss of complete, permanent and irreversible hearing in both ears.
    • Exposure or disappearance — you’re covered if you suffer from frostbite or sever sunburn, if you disappear after a forced landing, sinking, or wrecking of a vehicle, or if you become stranded. If your body isn’t found after one year, you’ll be presumed dead and your beneficiary awarded the benefits from your AD&D Insurance policy.
    • AD&D also covers paralysis if you become paralyzed within a year after an accident.
    Back to top

    Are there additional coverage options?

    Most AD&D providers will offer protection for sports and other dangerous situations that can include:

    • Athletic sports and hazardous activities. Coverage for injuries or illnesses from sports and hazardous activities such as:
    • Interscholastic or intercollegiate athletics, organized amateur sports or club sports, or any other non-contact sporting activities done for recreation, leisure, entertainment or fitness.
    • Other athletic sports and hazardous activities such as aerial photography, bobsledding, BMX racing, hang gliding, riding a motorcycle or scooter, horseback riding and safari or big game hunting.
    • War risk. If you’re traveling to a war-torn nation, you’ll be covered for loss of life or limb from an act of war in the area you purchased coverage.
    Back to top

    What’s not covered?

    While AD&D is designed to give you comprehensive accident insurance, though there are many exclusions you should be aware of before you take out a policy, including:

    • Emergency medical evacuation.
    • Emergency medical reunion.
    • Repatriation.
    • Preexisting conditions.
    • Hospital stays, treatment or supplies that weren’t recommended or approved by a medical physician.
    • Medical expenses or treatment for injuries or illnesses incurred in connection to drug addiction or alcoholism.
    • Loss caused by your own, intentional self-inflicted injury.
    • Voluntary self-administration of any drug or chemical substance, not prescribed by, and taken according to the directions of a doctor.
    • Suicide or an attempt.
    • Driving under the influence of a controlled substance unless administered by a doctor.
    • Loss caused directly or indirectly by a foreign enemy, invasion, warlike operation, armed conflict by military forces, mutiny, civil war, military or usurped power or hostilities.

    Compare AD&D policies an apply securely

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site