Accidental Death & Dismemberment Common Carrier Air Only
Also visit: Accidental Death & Dismemberment Coverage and What do I need for Coverage?
Accidental Death & Dismemberment Common Carrier Air Only is available in all Worldwide Trip Protector Plans. In WTP Gold a maximum benefit of $100,000 for this coverage is included in the plan, but it may be upgraded with an option for $250,000, $500,000 or $1 million worth of maximum coverage.
In the comprehensive Worldwide Trip Protector, WTP Lite or WTP Lite Expanded, Accidental Death & Dismemberment Air Only is available only as on optional coverage in the customer’s choice of four (4) levels of maximum protection:
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$100,000 for $8 per person;
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$250,000 for $18 per person;
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$500,000 for $39 per person;
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Or $1 million for $50 per person.
This coverage protects the insured from any injury sustained while riding in an aircraft or while boarding or exiting from an aircraft, as well as from any injury caused by being struck or run down by an aircraft. If the travel injury sustained due to the aircraft accident 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 Common Carrier Air Only coverage will pay the largest amount of the following benefits.
TABLE OF LOSSES
| Loss of: |
Percentage of Maximum Limit: |
| Life |
100% |
| Both hands or both feet |
100% |
| Sight of both eyes |
100% |
| One hand and one foot |
100% |
| Either hand or foot and sight of one eye |
100% |
| Either hand or foot |
50% |
| Sight of one eye |
50% |
| Speech and hearing in both ears |
100% |
| Speech |
50% |
| Hearing in both ears |
50% |
| Thumb and index finger of same hand |
25% |
"Loss" with regard to:
1) Hand or foot, means actual complete severance through and above the wrist or ankle joints; and
2) Eye means an entire and irrecoverable Loss of sight; and
3) Speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4) Thumb and index finger means actual severance through or above the joint that meets the finger at the palm.
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.
Accidental Death & Dismemberment Air Only is included as a benefit in Worldwide Trip Protector Gold. The Accidental Death & Dismemberment Air Only upgrade is available in all of our Worldwide Trip Protector and Airline Ticket Protector plans.