January 13th, 2023 at 05:36 am
Accidental Death & Dismemberment Coverage
Travel insurance gives you the peace of mind you need to enjoy your trip to the fullest. Basic policies cover a lot of things, but they usually don’t cover AD&D, which stands for Accidental Death and Dismemberment.
Even if you have basic insurance, you could be in a lot of trouble if you or a travel companion die or lose a limb while you are abroad. To cover all your bases, you might want to choose a policy that includes AD&D coverage or add AD&D coverage as an upgrade when you compare and buy online.
Travel Insurance and Accidental Death and Dismemberment
Most basic travel insurance policies don’t cover AD&D, so you’ll have to find one that does or buy additional coverage. If a traveler dies or loses a limb, this coverage pays a lump amount up to the insurance limit. If you die or lose one or both hands, feet, or eyes in an accident while traveling, your insurance will pay for it.
Special Coverage for AD&D
Most AD&D policies and policy upgrades pay death benefits at 100% of the policy limit. Dismemberment benefits are normally paid as a percentage, with one loss paying 50% of the policy amount and repeated losses paying 100%.
Considerations
Trip protection packages and travel medical plans may offer accidental death and dismemberment coverage as an upgrade. Emergency medical evacuations and remains repatriation are usually excluded. Emergency medical evacuations and repatriation of remains coverage are normally purchased separately. Read the fine print of all policies to be sure you have enough coverage for your trip.
With Accidental Death and Dismemberment Travel Insurance, You Can Breathe Easier
Don’t let all the plans you made for your trip go to waste. Compare travel insurance plans on Newsnowgh.com that cover accidental death and dismemberment to find options that fit your needs and budget.
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