24 Hour AD&D Insurance

What is 24-Hour AD&D Travel Insurance?

24-Hour AD&D, short for 24-Hour Accidental Death and Dismemberment, is a travel insurance benefit that provides a cash payment in the event of accidental loss of life or limb during a covered trip.

Most travel insurance providers will include some form of AD&D insurance coverage within their policies, with 24-Hour AD&D being the most comprehensive. Other types of AD&D insurance include Common Carrier AD&D and Flight Only AD&D, both of which place restrictions on when and where a covered accident occurs to be eligible for a claim.

FAQs: 24-Hour AD&D Travel Insurance

What Does 24-Hour AD&D Cover?

Travel insurance plans with the 24-Hour AD&D benefit provide you with a cash payment, referred to as a principal sum, if an accidental injury results in permanent disability or death. Plans with this benefit will cover you for the duration of your trip, typically starting on your trip’s departure date and ending on your return date.

Common scenarios that are covered by accidental death & dismemberment insurance include:

• Loss of life or remains
• Loss of eyesight in one or both eyes
• Loss of hearing in one or both ears
• Loss of hands and feet
• Loss of thumb or index finger

What Are the Coverage Limits for 24-Hour AD&D Insurance?

While other travel health insurance benefits work on a reimbursement basis, AD&D plans are unique by providing you with a principal sum payment when a covered accident occurs. The amount of coverage a plan offers will typically range from $10,000 to $50,000 per traveler, depending on the policy.

Most plans with 24-Hour AD&D coverage will consider your injuries when determining how much of the cash payment you are eligible for. For example, some plans will pay 100% of the principal sum if you lose sight in both eyes, and 50% if you lose sight in one eye.

For the most accurate coverage information, it’s important to reference your policy’s Certificate of Insurance. This document will include details regarding benefit amounts, exclusions, and additional benefits offered by the policy.

How Do I Find a Travel Insurance Policy With 24-Hour AD&D Coverage?

Plans that include the 24-Hour AD&D benefit will offer you the most protection from accidental loss. Finding plans with this type of coverage is made simple with modern travel insurance tools.

To find a travel insurance policy with 24-Hour AD&D coverage, you may reference the plans listed below or select the “24-Hour AD&D” filter underneath the “Accidental Death” category when comparing policies on Squaremouth.

Please be aware that coverage and eligibility requirements for this benefit differ by policy.

Looking for a policy with 24 Hour AD&D coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the 24 Hour AD&D filter to find the best policy for your trip with the coverage that you need.