Accidental Death and Dismemberment (AD & D) Travel Insurance Finder

What is accidental death travel insurance?

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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.
  • Trip cancellation: N/A
  • Trip interruption: Up to $10,000
  • Trip delay: $100
  • Medical expense benefits: Varies by medical service

Our top pick: Atlas Travel by Tokio Marine HCC – MIS Group

Customizable policy that balances basic essentials with premium coverage.

  • Get a quote in less than 10 minutes
  • Choose your own deductible
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Compare AD & D travel insurance plans

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
100%
$15,000
$500
$500
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
$50,000
$2,000
$1,000
Budget-friendly policy designed for international and domestic travelers who want medical protection. Trip cancellation and trip interruption not included.
$1,000
$100
Customizable policy that balances basic essentials with premium coverage.
100%
$250,000
$2,500
$1,500
Comprehensive coverage for the cost of your trip, your medical expenses and your belongings.
$1,000,000
$500
Coverage for as many trips as you want for travel periods lasting up to 30 or 45 days.

Compare up to 4 providers

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.
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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.

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.
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