What is Common Carrier AD&D?

Common Carrier AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while traveling on a common carrier during a covered trip.

A Common Carrier is typically defined as any public and ticketed transportation, such as a flight, bus or train. Coverage is generally excluded if a traveler is driving their own vehicle, piloting their own plane, or acting as crew.

This coverage generally provides a higher payout than 24 Hour AD&D, and a lower payout than Flight Only AD&D.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Common Carrier AD&D coverage.

Looking for a policy with Common Carrier AD&D coverage?

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

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
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HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
1

TripProtector Preferred

$100,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON 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 three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. 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.

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;

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 of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. 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 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.

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2

TripProtector Economy

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON 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 three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. 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.

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;

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 of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. 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 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.

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3

TripProtector Classic

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON 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 three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. 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.

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;

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 of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. 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 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.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
4

Travel SE

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

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%
Thumb and Index Finger of Same Hand – 50%

The Loss must occur within one hundred eighty-one (181) days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than one hundred percent (100%) of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:
a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and
b) eye or eyes means total and irrecoverable Loss of entire sight thereof in that eye; and
c) thumb and index finger means complete severance through or above the joint that meets the palm.

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

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

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

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within three hundred sixty-five (365) days after a disappearance due to an Accident during Your Trip. We have the right to recover the benefit if We find that You survived the event.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

Accidental Death and Dismemberment Exclusions

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefits.

We will not provide benefits for any loss due to, arising or resulting from:

a) Sickness or disease of any kind, directly or indirectly;

b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

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

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5

Travel LX

$100,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

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%
Thumb and Index Finger of Same Hand – 50%

The Loss must occur within one hundred eighty-one (181) days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than one hundred percent (100%) of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:
a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and
b) eye or eyes means total and irrecoverable Loss of entire sight thereof in that eye; and
c) thumb and index finger means complete severance through or above the joint that meets the palm.

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

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

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

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within three hundred sixty-five (365) days after a disappearance due to an Accident during Your Trip. We have the right to recover the benefit if We find that You survived the event.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

Accidental Death and Dismemberment Exclusions

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefits.

We will not provide benefits for any loss due to, arising or resulting from:

a) Sickness or disease of any kind, directly or indirectly;
b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

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

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6

Travel LX Basic

$100,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

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%
Thumb and Index Finger of Same Hand – 50%

The Loss must occur within one hundred eighty-one (181) days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than one hundred percent (100%) of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:
a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and
b) eye or eyes means total and irrecoverable Loss of entire sight thereof in that eye; and
c) thumb and index finger means complete severance through or above the joint that meets the palm.

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

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

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

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within three hundred sixty-five (365) days after a disappearance due to an Accident during Your Trip. We have the right to recover the benefit if We find that You survived the event.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

Accidental Death and Dismemberment Exclusions

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefits.

We will not provide benefits for any loss due to, arising or resulting from:

a) Sickness or disease of any kind, directly or indirectly;
b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

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

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
7

RoundTrip Choice

$40,000 per person

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any aircraft of a regularly scheduled commercial airline or air charter company licensed carry passengers for hire and operated by a properly certified pilot that results in a Loss shown in the Table of Losses below;

2. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Loss

Loss of % 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%

The Loss must occur within 181 days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than 100% of the Maximum Benefit Amount shown in the Schedule of Benefits for all Losses due to the same Accident.

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8

RoundTrip Economy

$10,000 per person

COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury 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 that results in 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

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.

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

The Principal Sum is shown in the Schedule of Benefits.

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9

RoundTrip Elite

$25,000 per person

COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury 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 that results in 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.

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

The Principal Sum is shown in the Schedule of Benefits

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10

Liaison Travel Choice excl US

$50,000 per adult
$10,000 per child
$250,000 policy limit

Common Carrier Accidental Death and Dismemberment:

The Company will pay an indemnity up to the amount set forth in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew. The benefit will be paid to the person determined by application of the relevant provisions of Section 6.2.

FOR: INSURED OR TRAVEL COMPANION

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia(total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia(total paralysis of one limb): 25% of Principal Sum

FOR: CHILD (REN)

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia(total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia(total paralysis of one limb): 25% of Principal Sum

The total amount payable under this section when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death and Dismemberment benefit than their proportionate share. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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11

Liaison Travel Basic excl US

$20,000 per adult
$5,000 per child
$250,000 policy limit

Common Carrier Accidental Death and Dismemberment.

The Company will pay an indemnity up to the amount set forth in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew.

The benefit will be paid to the person determined by application of the relevant provisions of Section 6.2.

The total amount payable under this section when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

FOR INSURED OR TRAVEL COMPANION
Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

FOR CHILD (REN)
Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

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12

Liaison Travel Plus excl US

$50,000 per adult
$10,000 per child
$250,000 policy limit

6.3 Common Carrier Accidental Death and Dismemberment.

The Company will pay an indemnity up to the amount set forth in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew.

The benefit will be paid to the person determined by application of the relevant provisions of Section.

FOR: INSURED OR TRAVEL COMPANION

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia (total paralysis of one limb): 25% of Principal Sum

FOR CHILD (REN)

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia (total paralysis of one limb): 25% of Principal Sum

The total amount payable under this Section when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death and Dismemberment benefit than their proportionate share. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section.

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13

Wander Frequent Traveler Plus excl US

$50,000 per adult
$25,000 per child
$250,000 policy limit

Common Carrier Accidental Death and Dismemberment:

The Company will pay an indemnity up to the amount set forth in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew. The benefit will be paid to the person determined by application of the relevant provisions of Section 6.2.

For Loss of: Insured or Spouse

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

For Loss of: Children

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

The total amount payable under this Section when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
14

Safe Travels Single Trip

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

COMMON CARRIER

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 conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within one hundred eighty (180) 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 shown in the Table of Losses.

TABLE OF LOSSES

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;
3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4. thumb and index finger mean 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 of a conveyance operated under a license for the transportation of passengers for hire during the Trip.

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 forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

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15

Safe Travels First Class

$25,000 per person

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER

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 conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within one hundred eighty (180) 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 shown in the Table of Losses.

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;
3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4. thumb and index finger mean 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 of a conveyance operated under a license for the transportation of passengers for hire during the Trip. 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 forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

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WorldTrips
WorldTrips
Policy Name and Summary of Coverage
16

Atlas International excl US

$50,000 per adult
$10,000 per child

COMMON CARRIER ACCIDENTAL DEATH BENEFIT

Ages 18 through 69 – $50,000

Under age 18 – $10,000

Ages 70 through 74 – $25,000

Ages 75 and older – $12,500

Subject to a maximum of $250,000 any one family or group.

YOU ARE COVERED:

1. The amount indicated in the Schedule of Benefits to the beneficiary.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line;

2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:

Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.

Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

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17

Atlas America incl US

$50,000 per adult
$10,000 per child

COMMON CARRIER ACCIDENTAL DEATH BENEFIT

Ages 18 through 69 – $50,000

Under age 18 – $10,000

Ages 70 through 74 – $25,000

Ages 75 and older – $12,500

Subject to a maximum of $250,000 any one family or group.

YOU ARE COVERED:

1. The amount indicated in the Schedule of Benefits to the beneficiary.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line;

2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:

Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.

Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

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18

Atlas Premium International excl US

$100,000 per adult
$10,000 per child

COMMON CARRIER ACCIDENTAL DEATH BENEFIT

Ages 18 through 69 – $100,000

Under age 18 – $10,000

Ages 70 through 74 – $25,000

Ages 75 and older – $12,500

Subject to a maximum of $250,000 any one family or group.

YOU ARE COVERED:

1. The amount indicated in the Schedule of Benefits to the beneficiary.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line;

2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:

Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.

Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

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19

Atlas Premium America incl US

$100,000 per adult
$10,000 per child

COMMON CARRIER ACCIDENTAL DEATH BENEFIT

Ages 18 through 69 – $100,000

Under age 18 – $10,000

Ages 70 through 74 – $25,000

Ages 75 and older – $12,500

Subject to a maximum of $250,000 any one family or group.

YOU ARE COVERED:

1. The amount indicated in the Schedule of Benefits to the beneficiary.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line;

2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:

Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.

Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

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