Coverage for Accidental Death and Dismemberment (AD&D) is one of the benefits of travel insurance that many people don’t want to think about, but may be quite important for certain travelers. Accidental Death coverage works very similarly to a life insurance policy, in that you would name a beneficiary upon purchasing your travel insurance, and that person would receive the benefit in the event of your death or dismembering injury while traveling. However, the benefits paid by your travel insurance AD&D coverage would be in addition to any benefits that were also paid by any life insurance policy you may have already had in place.
There are three different types of Accidental Death and Dismemberment coverage:
Flight Accident
This type of AD&D coverage only applies if the incident in question happened while you were boarding or traveling on an airplane.
Common Carrier
With this type of policy, you’d be covered for any incident occurring while you’re traveling on a cruise ship, airplane, or train.
24 Hour
24-hour AD&D coverage simply means that you’d be covered at all times during the duration of your trip, whether you were traveling on a common carrier at the time of any incident or not.
The Travel Accident plan is a single trip policy that covers a benefit if a traveler should die in an accident while traveling. This policy is exactly like the US version, and most importantly, does not provide any medical protection. This policy's only function is to pay to a beneficiary if something should happen to you during your trip.
Now that having been said, it can include medical evacuation as an upgrade, if you should choose to add it, but it cannot be stressed enough that this is only for the purpose of emergency transport from an inadequate hospital to a more appropriate one, or repatriation to the home country for recovery or further treatments. No benefits will be provided for the actual treatment of an emergency illness or injury.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
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We will be flying to Hungary, then river cruise to Germany, then bus trip to Czech Republic, then flying back home to Ontario, Canada. Which country should I name as our destination in the drop down menu?
If traveling outside the United States, enter the country where travelers will be spending the most time. If spending equal time in multiple countries, choose your first international destination. If taking a cruise, enter the first international port of arrival as your destination.
You would want to make sure that the AD&D coverage states "24 hour full coverage". The 24 hour accidental death coverage applies 24 hours a day when traveling from the time you leave your home until the time you return back to your home.
The 24 hour accidental death coverage applies 24 hours a day when traveling. The "flight only" or "common carrier" accidental death coverage will only apply when you are on an airplane or in a common carrier such as a cruise line or motor coach.
I am taking a group of 31 to Costa Rica on an Eco-tour. 13 adults and 18 middle school students age 13. Orinda has been sending student groups on this tour for 18 years with only minor injuries all treatable in local clinics. Every participant is covered by a health plan and I have a copy of each medical card. The provider In Costa Rica wants participants to have accident insurance. What can you offer to supplement their HMO and Kaiser plans.?
We can offer single trip medical plans that offer secondary medical and medical evacuation coverage when traveling outside of your home country for each traveler. However, since, your group includes 10 or more travelers, we highly suggest contacting a group representative to see if you qualify for a group rate. Our group department contact number is 800-691-9159.
Hint: Provide details to help us answer as soon as possible. I understand fly, boat and train is cover, What about if I use the buses local transportation or subway or taxis in Toronto. are these common carriers cover with this insurance?
The definition of a common carrier, changes from plan to plan. Generally vehicles that are licensed to transport for hire, would be considered a common carrier. Please see the "full certificate" for any specific concerns.
