Question 1

What does AD&D insurance mean and what does it cover?

Accepted Answer

AD&D coverage, or Accidental Death and Dismemberment coverage, is the insurance benefit paid out if one or more of the following occur: - an accident results in death, or an accident causes loss of hands, feet, eyesight, speech, hearing, etc. Review the benefit details for a particular insurance policy for details of limits. In the event of the death of the insured person, the AD&D insurance beneficiary is the assigned person who will receive the benefits as stated in the policy. It is recommended to assign a beneficiary who is not accompanying the policyholder while he/she is traveling.

Question 2

When will I receive my ID card?

Accepted Answer

An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card.

Question 3

Does AD&D Insurance cover Coronavirus (COVID-19)?

Accepted Answer

Plans that include AD&D coverage can also cover Covid-19 related treatment and services as long as the virus was contracted after the policy effective date. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Question 4

What information do I need to buy the AD&D insurance plan?

Accepted Answer

To purchase an AD&D insurance plan, you will need to have the following information ready: Name(s) of travelers, Date of birth(s), Coverage duration, home country address, and a valid credit card for the purchase.

Question 5

Are pre-existing conditions covered by the plan?

Accepted Answer

The insurance company will not pay for any expenses as a result of any illness, disease, or other condition during the stated time period in the policy immediately prior to the date of coverage. The exclusion for Pre-Existing Conditions will be waived provided: (a) Your payment for the policy was within the time-sensitive period before your initial deposit date. (b) You insure all prepaid trip costs that are subject to cancellation penalties or restrictions. (c) You are not disabled at the time your premium is paid.

Question 6

Do you offer AD&D Supplemental coverage?

Accepted Answer

The Patriot series plans can offer an optional Accidental Death and Dismemberment supplemental rider that can be added to your purchase. The optional rider is available for those traveling for 3 months or more.

Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment Insurance is a travel insurance benefit that pays a lump sum in the event of death or dismemberment.

See What Customers Have to Say

Helpful articles