What is 24 Hour AD&D?

24 Hour AD&D

The table below shows you at a glance which company provides the most comprehensive coverage for the 24 Hour AD&D element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

Coverage Description

Provides cash payment for accidental loss of life or limb while traveling. Only a few companies offer coverage for the entire trip.

View full coverage summary for 24 Hour AD&D for the policies below

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

4 Allianz Global Assistance
Classic
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

5 Allianz Global Assistance
Classic with Trip +
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

6 APRIL Travel Protection
Economy Plan
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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 Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears Speech 100%
Hearing in both ears 50%


“Loss” with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints; or

b) eye means an entire and irrecoverable loss of sight; or

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

7 APRIL Travel Protection
VIP Plan
$50,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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%


“Loss” with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints; or

b) eye means an entire and irrecoverable loss of sight; or

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

8 APRIL Travel Protection
Trip Cancellation Plan
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

9 APRIL Travel Protection
Multi-Trip Plan Universal
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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%

“Loss” with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints; or

b) eye means an entire and irrecoverable loss of sight; or

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

10 APRIL Travel Protection
Multi-Trip Plan Elite
$50,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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%


“Loss” with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints; or

b) eye means an entire and irrecoverable loss of sight; or

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

11 APRIL Travel Protection
Choice
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight;

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears;

d) thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

12 Azimuth Risk Solutions, LLC
Beacon America incl US
$30,000 per adult $6,000 per child Quote

Full Policy Wording

32.11 ACCIDENTAL DEATH (Participating Members age 18 and older) -­‐ The Scheme Administrator will pay the Principal Sum of $30,000 for the insured. The Scheme Administrator will pay the Principal Sum of $20,000 for the insured’s spouse. The Scheme Administrator will pay the Principal Sum of $6,000 for Dependent Child(ren). The Scheme Administrator will pay a reduced benefit of 50% to any Participating Member age seventy to seventy four (70-­‐74) ($15,000); and for ages seventy five (75) and older a further reduction of fifty percent (50%) ($7,500). The maximum benefit is $250,000 for any one (1) Family.

32.11.1 ACCIDENTAL DEATH (Participating Members under the age 18) -­‐ The Scheme Administrator will pay the Principal Sum of $6,000 for the insured.

32.12 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members age 18 and older) –

32.12.1 Loss of 2 or more eyes -­‐ Principal Sum ($30,000)

32.12.2 Loss of 1limb or eye -­‐ one-­half of Principal Sum ($15,000)

32.12.3 The Principal Sums for Accidental Dismemberment shall reduce by fifty percent (50%) for Participating Members age seventy to seventy four (70-­‐74) and by an additional 50% for Participating Members seventy five (75) and older. The maximum benefit is $250,000 for any one (1) Family.

32.13 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members under the age 18) –

32.13.1 Loss of 2 or more eyes-­‐ Principal Sum ($6,000)

32.13.2 Loss of 1 limb or eye-­‐ Principal Sum ($3,000)

13 Azimuth Risk Solutions, LLC
Beacon International excl US
$30,000 per adult $6,000 per child Quote

Full Policy Wording

32.11 ACCIDENTAL DEATH (Participating Members age 18 and older) -­‐ The Scheme Administrator will pay the Principal Sum of $30,000 for the insured. The Scheme Administrator will pay the Principal Sum of $20,000 for the insured’s spouse. The Scheme Administrator will pay the Principal Sum of $6,000 for Dependent Child(ren). The Scheme Administrator will pay a reduced benefit of 50% to any Participating Member age seventy to seventy four (70-­‐74) ($15,000); and for ages seventy five (75) and older a further reduction of fifty percent (50%) ($7,500). The maximum benefit is $250,000 for any one (1) Family.

32.11.1 ACCIDENTAL DEATH (Participating Members under the age 18) -­‐ The Scheme Administrator will pay the Principal Sum of $6,000 for the insured.

32.12 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members age 18 and older) –

32.12.1 Loss of 2 or more eyes -­‐ Principal Sum ($30,000)

32.12.2 Loss of 1limb or eye -­‐ one-­half of Principal Sum ($15,000)

32.12.3 The Principal Sums for Accidental Dismemberment shall reduce by fifty percent (50%) for Participating Members age seventy to seventy four (70-­‐74) and by an additional 50% for Participating Members seventy five (75) and older. The maximum benefit is $250,000 for any one (1) Family.

32.13 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members under the age 18) –

32.13.1 Loss of 2 or more eyes-­‐ Principal Sum ($6,000)

32.13.2 Loss of 1 limb or eye-­‐ Principal Sum ($3,000)

14 CSA Travel Protection
Custom
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

15 GeoBlue
Voyager Choice
$50,000 per person Quote

Full Policy Wording

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

There is no coverage for loss of life or dismemberment for or arising from an Accident in the Insured Person’s Home Country.

16 GeoBlue
Voyager Essential
$25,000 per person Quote

Full Policy Wording

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

There is no coverage for loss of life or dismemberment for or arising from an Accident in the Insured Person’s Home Country.

17 GeoBlue
Trekker Choice excl US
$25,000 per person Quote

Full Policy Wording

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

There is no coverage for loss of life or dismemberment for or arising from an Accident in the Insured Person’s Home Country.

18 GeoBlue
Trekker Essential excl US
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

19 Global Alert Administrators
Global Alert Essentials
$25,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

20 Global Alert Administrators
Global Alert Preferred
$50,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

21 Global Alert Administrators
Global Alert Preferred Plus
$50,000 per person Quote

Full Policy Wording

24-Hour Other Than Common Carrier (Air Only): We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Common Carrier (Air Only): We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Covered Trip. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Covered Trip. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Covered Trip in which You were a passenger.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

22 HCC Medical Insurance Services
Atlas International excl US
$50,000 per adult $5,000 per child Quote

Full Policy Wording

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following Accidental Death and Dismemberment benefit:

1. Accidental Death – Underwriters will pay the Principal Sum of $50,000 for Members age 18 and older, or the Principal Sum of $5,000 for Members under the age of 18, to the Beneficiary. The Principal Sum shall be to $12,500 for Members age 70 to 74, and to $6,250 for Members age 75 and older.

2. Accidental Dismemberment –

a) Loss of 2 or more Limbs or eyes – Underwriters will pay the Principal Sum, as indicated in item 1 of this section, to the Member.

b) Loss of 1 Limb or eye – Underwriters will pay one-half of the Principal Sum, as indicated in item 1 of this section, to the Member.

c) The Accident giving rise to the Accidental Death or Dismemberment must be due solely to Accidental Injury and not contributed to by Illness or disease; and

Conditions and Restrictions:

a) The Member must be in compliance with all conditions and provisions of this insurance; and

b) The Accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

c) The Accident giving rise to the Accidental Death must not be a Common Carrier Accident; and

d) Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by Illness or disease.

e) In no event will Underwriters’ payment under this benefit total more than the Principal Sum.

f) The maximum liability under Accidental Death and Dismemberment for any group or family is limited to
$250,000.

23 HCC Medical Insurance Services
Atlas America incl US
$50,000 per adult $5,000 per child Quote

Full Policy Wording

ELIGIBLE EXPENSESACCIDENTAL DEATH AND DISMEMBERMENT

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following Accidental Death and Dismemberment benefit:

1. Accidental Death – Underwriters will pay the Principal Sum of $50,000 for Members age 18 and older, or the Principal Sum of $5,000 for Members under the age of 18, to the Beneficiary. The Principal Sum shall be to $12,500 for Members age 70 to 74, and to $6,250 for Members age 75 and older.

2. Accidental Dismemberment –

a) Loss of 2 or more Limbs or eyes – Underwriters will pay the Principal Sum, as indicated in item 1 of this section, to the Member.
b) Loss of 1 Limb or eye – Underwriters will pay one-half of the Principal Sum, as indicated in item 1 of this section, to the Member.
c) The Accident giving rise to the Accidental Death or Dismemberment must be due solely to Accidental Injury and not contributed to by Illness or disease; and

Conditions and Restrictions:

a) The Member must be in compliance with all conditions and provisions of this insurance; and
b) The Accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and
c) The Accident giving rise to the Accidental Death must not be a Common Carrier Accident; and
d) Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by Illness or disease.
e) In no event will Underwriters’ payment under this benefit total more than the Principal Sum.
f) The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

24 HCC Medical Insurance Services
Atlas MultiTrip incl US
$50,000 per adult $5,000 per child Quote

Full Policy Wording

ELIGIBLE EXPENSESACCIDENTAL DEATH AND DISMEMBERMENT

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following Accidental Death and Dismemberment benefit:

1. Accidental Death – Underwriters will pay the Principal Sum of $50,000 for Members age 18 and older, or the Principal Sum of $5,000 for Members under the age of 18, to the Beneficiary. The Principal Sum shall be to $12,500 for Members age 70 to 74, and to $6,250 for Members age 75 and older.

2. Accidental Dismemberment –

a) Loss of 2 or more Limbs or eyes – Underwriters will pay the Principal Sum, as indicated in item 1 of this section,
to the Member.

b) Loss of 1 Limb or eye – Underwriters will pay one-half of the Principal Sum, as indicated in item 1 of this section,
to the Member.

c) The Accident giving rise to the Accidental Death or Dismemberment must be due solely to Accidental Injury and
not contributed to by Illness or disease; and

Conditions and Restrictions:

a) The Member must be in compliance with all conditions and provisions of this insurance; and

b) The Accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

c) The Accident giving rise to the Accidental Death must not be a Common Carrier Accident; and

d) Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to
by Illness or disease.

e) In no event will Underwriters’ payment under this benefit total more than the Principal Sum.

f) The maximum liability under Accidental Death and Dismemberment for any group or family is limited to
$250,000.

25 HCC Medical Insurance Services
Atlas MultiTrip excl US
$50,000 per adult $5,000 per child Quote

Full Policy Wording

ELIGIBLE EXPENSESACCIDENTAL DEATH AND DISMEMBERMENT

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following Accidental Death and Dismemberment benefit:

1. Accidental Death – Underwriters will pay the Principal Sum of $50,000 for Members age 18 and older, or the Principal Sum of $5,000 for Members under the age of 18, to the Beneficiary. The Principal Sum shall be to $12,500 for Members age 70 to 74, and to $6,250 for Members age 75 and older.

2. Accidental Dismemberment –

a) Loss of 2 or more Limbs or eyes – Underwriters will pay the Principal Sum, as indicated in item 1 of this section,
to the Member.

b) Loss of 1 Limb or eye – Underwriters will pay one-half of the Principal Sum, as indicated in item 1 of this section,
to the Member.

c) The Accident giving rise to the Accidental Death or Dismemberment must be due solely to Accidental Injury and
not contributed to by Illness or disease; and

Conditions and Restrictions:

a) The Member must be in compliance with all conditions and provisions of this insurance; and

b) The Accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

c) The Accident giving rise to the Accidental Death must not be a Common Carrier Accident; and

d) Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to
by Illness or disease.

e) In no event will Underwriters’ payment under this benefit total more than the Principal Sum.

f) The maximum liability under Accidental Death and Dismemberment for any group or family is limited to
$250,000.

26 HTH Travel Insurance
TravelGap Voyager excl US
$25,000 policy limit Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES
Loss of: Percentage of Principal Sum:
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%

“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;

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.

EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

27 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

28 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
$25,000 policy limit Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.
The Principal Sum is shown on the Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Loss of: Percentage of Principal Sum:

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%

“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;

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.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

29 HTH Travel Insurance
TravelGap Excursion excl US
$50,000 policy limit Quote

Full Policy Wording

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES
Loss of – Percentage of Principal Sum
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%

“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;

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.

EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

30 InsureandGo USA
Silver
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

31 InsureandGo USA
Gold
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Accidental Injury occurring during Your Covered Trip, sustain a Loss shown in the Table of Losses below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on Your Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $500,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest single amount for a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;

2. Eye means an entire and irrecoverable Loss of sight;

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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

If, while eligible for this benefit, You are in an Accident resulting in Your disappearance, and Your body has not been found within fifty‐two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a Loss of life as a result of those Injuries. If You are subsequently found alive and identified, the Company has the right to recover any amounts paid.

32 InsureandGo USA
Platinum
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Accidental Injury occurring during Your Covered Trip, sustain a Loss shown in the Table of Losses below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on Your Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $500,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest single amount for a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;

2. Eye means an entire and irrecoverable Loss of sight;

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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

If, while eligible for this benefit, You are in an Accident resulting in Your disappearance, and Your body has not been found within fifty‐two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a Loss of life as a result of those Injuries. If You are subsequently found alive and identified, the Company has the right to recover any amounts paid.

33 InsureandGo USA
Global Silver excl US
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

34 InsureandGo USA
Global Gold excl US
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Accidental Injury occurring during Your Covered Trip, sustain a Loss shown in the Table of Losses below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on Your Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $500,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest single amount for a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;

2. Eye means an entire and irrecoverable Loss of sight;

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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

If, while eligible for this benefit, You are in an Accident resulting in Your disappearance, and Your body has not been found within fifty‐two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a Loss of life as a result of those Injuries. If You are subsequently found alive and identified, the Company has the right to recover any amounts paid.

35 InsureandGo USA
Global Platinum excl US
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Accidental Injury occurring during Your Covered Trip, sustain a Loss shown in the Table of Losses below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on Your Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $500,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest single amount for a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;

2. Eye means an entire and irrecoverable Loss of sight;

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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

If, while eligible for this benefit, You are in an Accident resulting in Your disappearance, and Your body has not been found within fifty‐two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a Loss of life as a result of those Injuries. If You are subsequently found alive and identified, the Company has the right to recover any amounts paid.

36 iTravelInsured
Deluxe Travel
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

37 iTravelInsured
Elite
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

38 iTravelInsured
Travel Lite
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

39 iTravelInsured
365 Travel Medical Program
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

40 iTravelInsured
Student
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

41 iTravelInsured
Standard Travel
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

42 iTravelInsured
365 Standard
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

43 iTravelInsured
365 Deluxe
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

44 MedjetAssist
Annual Membership
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

45 MedjetAssist
MedjetAssist Extended Stay
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

46 MedjetAssist
MedjetAssist Short Term Plan
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

47 MH Ross Travel Insurance Services
Asset Plus
$25,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

48 MH Ross Travel Insurance Services
Bridge
$25,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

49 MH Ross Travel Insurance Services
Complete
$25,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

50 MH Ross Travel Insurance Services
Asset
$25,000 per person Quote

Full Policy Wording

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

Exposure: We will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

Disappearance: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Table of Losses

Loss: Percentage of Principal Sum Payable:
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%

“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.

The Principal Sum is the Maximum Benefit Amount shown on the accompanying Confirmation of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

51 RoamRight
Essential
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

52 RoamRight
Preferred
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 180 days after the date of the Accident causing the Loss.

The Maximum Limit is shown on Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

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.

Exposure:
The Company will pay benefits for covered Losses which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

53 RoamRight
Elite
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Maximum Limit is shown on Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Principal Sum is shown Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

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 50%
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.

Exposure:
The Company will pay benefits for covered Losses which result from You being unavoidably exposed to the elements due to an Accident or due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident or due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

54 RoamRight
Active
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 180 days after the date of the Accident causing the Loss.

The Maximum Limit is shown on Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

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.

Exposure:
The Company will pay benefits for covered Losses which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

55 RoamRight
Adventure
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Maximum Limit is shown on Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

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.

Exposure:
The Company will pay benefits for covered Losses which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

56 RoamRight
Multi-Trip
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

57 RoamRight
Multi-Trip Medical excl US
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

58 RoamRight
Medical excl US
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

Accidental Death and Dismemberment Insurance is afforded to You which shall apply only to Injury, as defined in Definitions section, sustained by You during the course of coverage. Such Insurance includes such Injury which occurs during the course of time You are covered under the policy.

The Company shall pay an indemnity determined from the Table of Losses, if You sustain a Loss stated therein resulting from Injury, provided that:
1) such Loss occurs within 365 days after the date of Accident causing such Loss; and
2) the indemnity payable for any such Loss shall be the Principal Sum stated in Your Schedule of Coverage and Service, Accidental Death and Dismemberment, Principal Sum, as applicable to You and this Insurance; and
3) if more than one Loss stated in said Table is sustained as the result of one Accident, only one of the amounts so stated in said Table, the largest, shall be payable.

Table of Losses

Loss of: Percentage of Maximum Limit Per Person Per Trip
Life 100%
Both Hands or Both Feet or Sight of Both Eyes or Speech and Hearing in Both Ears 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Either Hand or Foot or Sight of One Eye 50%
Speech or Hearing in Both Ears 50%
Thumb and Index Finger of Same Hand 25%

Exposure: If by reason of an Accident covered by the policy You are unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Maximum Limit is otherwise payable hereunder such Loss will be covered under the terms of the policy.

Disappearance: If Your body has not been found within one year of the disappearance then it shall be deemed, subject to all other terms and provisions of the policy, that You shall have suffered Loss of life within the meaning of the policy.

Beneficiary Designation and Change: Your beneficiary or beneficiaries shall be that person or those persons designated by You and filed with the Company. If You have not made an irrevocable designation of beneficiary may designate a new beneficiary at any time, without the consent of the beneficiary, by filing with the Company a written request for such change but such change shall become effective only upon receipt of such request at the office of the Company. When such request is received by the Company, whether You be then living or not, the change of beneficiary shall relate back to and take effect as of the date of execution of the written request, but without prejudice to the Company on account of any payment theretofore made by it.

59 RoamRight
Evacuation
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

60 Seven Corners Inc
RoundTrip
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;
2. Eye means an entire and irrecoverable Loss of sight;
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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: The Company will pay benefits for Loss of life if Your body cannot be located one (1) year after Your disappearance due to an Accident.

61 Seven Corners Inc
RoundTrip Choice
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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;
2. Eye means an entire and irrecoverable Loss of sight;
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.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: The Company will pay benefits for Loss of life if Your body cannot be located one (1) year after Your disappearance due to an Accident.

62 Seven Corners Inc
Liaison Continent excl US
$50,000 per adult $5,000 per child Quote

Full Policy Wording

Accidental Death & Dismemberment (AD&D): The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in EXCLUSIONS AND LIMITATIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper and lower limbs of 1 side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Loss”, in reference to quadriplegia, paraplegia, hemiplegia and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through or above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight. The term “Principal Sum” as used herein shall mean the amount stated on the ID Card.

In the event of a Common Carrier Accidental Death, benefits will be paid once at the higher amount as specified in the Schedule of Benefits for Common Carrier Accidental Death, and benefits will not be paid for Accidental Death & Dismemberment.

63 Seven Corners Inc
Liaison Majestic excl US
$25,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in PART IV – EXCLUSIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper & lower limbs of one side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Loss”, in reference to quadriplegia, paraplegia, hemiplegia and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through or above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight. The term “Principal Sum” as used herein shall mean the amount stated on the ID Card. “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one accident. In the event of a Common Carrier Accidental Death benefits will be paid once at the higher amount as specified in the schedule of benefits for Common Carrier Accidental Death.

64 Seven Corners Inc
Liaison International excl US
$25,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT:

If, within 364 days from the date of an Accidental Injury covered by the Policy that occurs during the Plan Participant’s Coverage Period, the Plan Participant suffers from a loss listed below, We will pay the percentage of the Principal Sum set opposite the loss in the table. If the Plan Participant sustains more than one such loss as the result of one Accident, We will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Plan Participant. The Principal Sum is the Maximum Benefit Amount shown in Schedule of Benefit. Benefits are payable if such Injury occurs:

Description of Loss: Percent of Principal Sum

Life: 100%

Both Hands or Both Feet or 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%

Common Carrier Accidental Death: 200%

65 Seven Corners Inc
RoundTrip Economy
$5,000 per person Quote

Full Policy Wording

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Injury occurring during Your Trip sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses
Type of Loss Benefit Amount
Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Schedule of Benefits.

66 Seven Corners Inc
RoundTrip Elite
$25,000 per person Quote

Full Policy Wording

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You , as a result of an Injury occurring during Your Trip sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses
Type of Loss Benefit Amount
Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Schedule of Benefits.

67 Seven Corners Inc
Wander Frequent Traveler excl US
$25,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in PART IV – EXCLUSIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper & lower limbs of one side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Loss”, in reference to quadriplegia, paraplegia, hemiplegia and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through or above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight. The term “Principal Sum” as used herein shall mean the amount stated on the ID Card. “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one accident.

68 Tin Leg
Economy
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

69 Tin Leg
Standard
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

70 Tin Leg
Luxury
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

71 Travel Guard
Gold
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse the Insured for this benefit for one of the Losses shown in the Table of Losses below if the Insured is Injured other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury. The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule or Declarations Page. The accident must occur while the Insured is on the Trip and is covered under the Policy.

If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % 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 Foo 50%
Sight of One Eye 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints; or

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from an Insured being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if the Insured’s body cannot be located one year after a disappearance due to an accident during the Trip.

72 Travel Guard
Platinum
$50,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse the Insured for this benefit for one of the Losses shown in the Table of Losses below if the Insured is Injured other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury. The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule or Declarations Page. The accident must occur while the Insured is on the Trip and is covered under the Policy.

If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % 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%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints; or

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from an Insured being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if the Insured’s body cannot be located one year after a disappearance due to an accident during the Trip.

73 Travel Guard
Silver
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

74 Travel Insured International
Worldwide Trip Protector Lite
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

75 Travel Insured International
Worldwide Trip Protector Plus
$10,000 per person Quote

Full Policy Wording

COVERAGE M

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You , as a result of an Injury occurring during Your Trip other than while covered for Air Flight Only Benefits sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits.

Table of Losses

Type of Loss Benefit Amount
Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum
Loss of thumb and index finger of the same hand 25% of Principal Sum
Loss of Speech 50% of the Principal Sum
Loss of Hearing Both Ears 50% of the Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.

Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: (a) two limbs; (b) both eyes; or © one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Confirmation of Benefits.

EXPOSURE AND DISAPPEARANCE

We will pay benefits for covered losses that result from You being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure. If, while insured under this Coverage M, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage M, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

76 Travel Insured International
Worldwide Trip Protector
$10,000 per person Quote

Full Policy Wording

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You , as a result of an Injury occurring during Your Trip other than while covered for Air Flight Only Benefits sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits.

Table of Losses

Type of Loss Benefit Amount
Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum
Loss of thumb and index finger of the same hand 25% of Principal Sum
Loss of Speech 50% of the Principal Sum
Loss of Hearing Both Ears 50% of the Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery. Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Confirmation of Benefits.

EXPOSURE AND DISAPPEARANCE

We will pay benefits for covered losses that result from You being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage K, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage K, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

77 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

78 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS (24 Hour)

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the covered Accident. The Principal Sum is the benefi t amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand, One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

79 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

80 Travelex Insurance Services
Flight Insure Plus - Package Plan
$10,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS (24 Hour)

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the covered Accident. The Principal Sum is the benefi t amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand, One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

81 Travelex Insurance Services
Travel Basic
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

82 Travelex Insurance Services
Travel Max
$25,000 per person Quote

Full Policy Wording

Accidental Death & Dismemberment Benefits (Common Carrier & 24 Hour) We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand, One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder. If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

83 Travelex Insurance Services
Travel Select
$25,000 per person Quote

Full Policy Wording

24 Hour Accidental Death & Dismemberment Benefits

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Percentage of Principal Loss: Sum Payable:
Life 100%
Both Hands and Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand, One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

84 TravelSafe
Basic
No coverage Quote

Full Policy Wording

There is no 24 Hour AD&D coverage with this plan.

85 TravelSafe
Classic
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

You are eligible for benefits 24 hours a day, up to the Maximum Benefit Amount, when You sustain an Injury during the Trip which results in any of the following losses within 180 days of the date of the Injury causing the Loss.

Benefits will be paid as follows:

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands; Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand; One Foot or Sight of One Eye 50%

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits for Accidental Death and Dismemberment.

86 TravelSafe
Classic Plus
$25,000 per person Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

You are eligible for benefits 24 hours a day, up to the Maximum Benefit Amount, when You sustain an Injury during the Trip which results in any of the following losses within 180 days of the date of the Injury causing the Loss.

Benefits will be paid as follows:

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands; Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand; One Foot or Sight of One Eye 50%

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits for Accidental Death and Dismemberment.

87 Trawick International
Safe Travels USA
$25,000 per adult $10,000 per child Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $ 25,000; Spouse/Domestic Partner/Traveling Companion $25,000; Dependent Child $ 10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
Life, Quadriplegia or Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia or Thumb and Index Finger of the Same Hand 25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

88 Trawick International
Safe Travels International excl US
$25,000 per adult $10,000 per child Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $ 25,000; Spouse/Domestic Partner/Traveling Companion $25,000 Dependent Child $ 10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
Life, Quadriplegia or Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia or Thumb and Index Finger of the Same Hand 25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

89 Trawick International
Safe Travels USA Trip Protection
$25,000 per adult $10,000 per child Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $25,000; Spouse/Domestic Partner/Traveling Companion $25,000 Dependent Child $10,000 If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
| Life, Quadriplegia or Two or more Members | 100% of the Principal Sum |
| Hemiplegia or Paraplegia | 75% of the Principal Sum |
| One Member | 50% of the Principal Sum |
| Uniplegia or Thumb and Index Finger of the Same Hand | 25% of the Principal Sum |

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident. Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

90 Trawick International
Safe Travels International Trip Protection excl US
$25,000 per adult $10,000 per child Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $ 25,000; Spouse/Domestic Partner/Traveling Companion $25,000 Dependent Child $ 10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount

Life, Quadriplegia or Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia or Thumb and Index Finger of the Same Hand 25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

91 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

92 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

93 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

94 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

95 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

96 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
$10,000 per adult $5,000 per child Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

97 USA-ASSIST Worldwide Protection
GlobalTrip Classic
$10,000 per person Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

98 USA-ASSIST Worldwide Protection
GlobalTrip Saver
$10,000 per person Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

99 USA-ASSIST Worldwide Protection
GlobalTrip Plus
$10,000 per person Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

100 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
$10,000 per person Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.