What is AD&D Insurance? Purchasing AD&D insurance provides financial relief to your loved ones should you tragically perish during the course of your coverage. If during the covered time period you experience a permanent loss of body part or its function in a transportation-related accident, this same benefit would also compensate you for that loss. Each benefit is determined according to the numbers laid out in the policy details upon purchase.
Is AD&D Insurance Right For Me? Many people who purchase AD&D insurance do so to ensure their loved ones are taken care of in case of an extreme scenario. Those who do not have life insurance and are concerned about what could happen in upcoming flights would benefit from this policy. AD&D coverage provides individuals and their loved ones with similar additional protections while traveling, and can also preserve your interests in the long term, should you become permanently impaired and face lasting disability.
What are the Differences Between Plans? Single Trip AD&D covers your flights during a single trip away, to and from your home. Multi-Trip AD&D is for the traveler who flies multiple times during a year; one purchase covers many trips. These plans are the highest caliber of AD&D insurance, with ultimate coverage no matter your age or health. This plan can be purchased on its own, or as an add-on to any travel medical insurance plan for guaranteed coverage.
For how long can I purchase AD&D Insurance? For the multiple flight option, each trip must be within a 180 day period. Single flights cover only the determined dates, so consider your itinerary for the best option for you.
Do I need to buy this policy in addition to a medical plan? AD&D insurance can be added to another plan, or bought on its own. Many travel medical insurance plans already come with some amount of AD&D coverage. Purchasing this plan provides you with additional coverage beyond the limits of the general plans.
Will I be covered on buses or trains after my flight arrives? If you choose the package plan, you receive several benefits in addition to the AD&D insurance, including a $10,000 24 hour insurance policy that follows you while using other forms of transportation, such as buses, trains, or cars.
Are round trip flights included in the single flight plan? The single trip plan covers you from the time you leave home until your flight returns back to your original departure location. Your entire trip is covered, round trip flights included.