Accidental Death & Dismemberment
Also visit: Accidental Death & Dismemberment Common Carrier Coverage and What do I need for Coverage?
Accidental Death & Dismemberment is coverage for an injury an insured traveler sustains from an accident during a trip. The coverage is included up to a maximum benefit of $10,000 in the comprehensive Worldwide Trip Protector Plan, or up to a maximum benefit of $25,000 in the WTP Gold Plan. This included coverage — not to be confused with Accidental Death & Dismemberment Common Carrier Coverage — is not included or available in either the WTP Lite or WTP Lite Expanded Plans.
If the travel injury sustained during the trip results, within 180 days of the accident, in the insured’s death, in the severance of a limb, or in irretrievable loss of eyesight, speech or hearing, the Accidental Death & Dismemberment coverage will pay the largest amount of the following benefits.
The full benefit is paid for the loss of:
- Life
- Two hands
- Two feet
- One hand and one foot
- Sight in both eyes
- Speech and hearing in both ears
- One hand or one foot and
Sight in one eye
One-half of the benefit is paid for:
- Loss of one hand or one foot
- Sight on one eye
- Speech
- Hearing in both ears
One-fourth of the benefit is paid for:
- Loss of the thumb and index finger of the same hand
Benefits will NOT be paid for the following:
- More than the maximum benefit listed on the Schedule of Benefits for all losses due to the same accident.
Benefits WILL be paid for the following:
- Benefits will be paid for covered travel accident losses if you are unavoidably exposed to the elements due to the accident.
- Loss of life benefits will be paid when a disappearance occurs and the insured’s body cannot be found for a year after the disappearance due to forced landing, stranding, sinking or wrecking of the conveyance upon which the insured was a passenger.