What life insurance benefits are in a travel insurance plan?

Last Updated: January 14, 2015May 30, 2023

Short Answer

The life insurance benefits available within a travel insurance policy are generally referred to as Accidental Death and Dismemberment (AD&D) benefits. The three types of AD&D benefits are: 24 Hour AD&D, which provides coverage at any time during your trip, Flight Only AD&D, which provides coverage in-flight, and Common Carrier AD&D, which provides coverage while traveling on a common carrier.

More Detail

24 Hour AD&D provides a payout in the event of accidental loss of life or limb that occurs anytime throughout the length of your trip. This benefit typically provides the smallest payout compared to other forms of AD&D in a travel insurance policy. Other types of AD&D limit coverage to specific portions of a trip, either while on an airplane or on a common carrier.

Flight Only AD&D provides a payout in the event of accidental loss of life or limb that occurs while you are in-flight on your trip. This benefit typically provides the highest payout compared to other forms of AD&D coverage within travel insurance. Flight Only AD&D coverage can typically be applied to travelers who are passengers of a licensed air conveyance. Piloting your own plane or acting as crew are generally excluded.

Common Carrier AD&D provides a payout in the event of accidental loss of life or limb that occurs while traveling on a common carrier, while on a covered trip. “Common Carrier” is typically defined as any public, ticketed transportation, such as a flight, bus or train. This coverage generally provides a higher payout than 24 AD&D coverage, and a lower payout than Flight Only AD&D coverage. Driving your own vehicle, piloting your own plane, or acting as crew are generally excluded..

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!