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.
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.
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Start a New SearchPolicy Name and Summary of Coverage | ||
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1 |
$50,000 per adult
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32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met; 32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and 32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line. 32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence. 32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000; |
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2 |
$50,000 per adult
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32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met; 32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and 32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line. 32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence. 32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000; |
Policy Name and Summary of Coverage | ||
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3 |
$50,000 per person |
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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 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% “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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4 |
$25,000 per person |
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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 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% “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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5 |
$100,000 per person |
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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 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% “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. |
Policy Name and Summary of Coverage | ||
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6 |
$100,000 per person |
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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% 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: 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; 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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7 |
$25,000 per person |
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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% 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: 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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8 |
$100,000 per person |
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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% 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: 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; These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
Policy Name and Summary of Coverage | ||
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9 |
Wander Frequent Traveler excl US $50,000 per adult
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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 For Loss of: Children Loss of life – Principal Sum The total amount payable under this Section 6.3 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 6.3. |
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10 |
$50,000 per adult
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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 FOR: CHILD (REN) Loss of life: Principal Sum The total amount payable under this Section 6.3 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 6.3. |
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11 |
$20,000 per adult
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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 6.3 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 6.3. FOR INSURED OR TRAVEL COMPANION FOR CHILD (REN) |
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12 |
$50,000 per adult
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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 6.2. FOR: INSURED OR TRAVEL COMPANION Loss of life: Principal Sum FOR CHILD (REN) Loss of life: Principal Sum The total amount payable under this Section 6.3 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 6.3. |
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13 |
Wander Frequent Traveler Plus excl US $50,000 per adult
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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 For Loss of: Children Loss of life – Principal Sum The total amount payable under this Section 6.3 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 6.3. |
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14 |
$40,000 per person |
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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% 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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15 |
$10,000 per person |
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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 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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16 |
$25,000 per person |
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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 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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17 |
$25,000 per person |
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ACCIDENTAL DEATH & DISMEMBERMENT – COMMON CARRIER The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, that occurs while You are riding as a passenger in or on, boarding or alighting from, any Common Carrier 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 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. Life – 100% “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 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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18 |
$25,000 per person |
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ACCIDENTAL DEATH & DISMEMBERMENT – COMMON CARRIER The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, that occurs while You are riding as a passenger in or on, boarding or alighting from, any Common Carrier 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 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. Life – 100% “Loss” with regards 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 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. |
Policy Name and Summary of Coverage | ||
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19 |
Atlas Premium International excl US $100,000 per adult
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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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20 |
$100,000 per adult
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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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21 |
$50,000 per adult
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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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$50,000 per adult
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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. |
Benefits
Additional Information
Multi-Award Winning Customer Service Team
Squaremouth’s outside-the-box approach to customer service has been recognized nationally and internationally, with 16 awards in 6 years. Customer service is part of everybody’s job at Squaremouth. Every employee spends time on the phone with customers each week.
Read more$30,000 Contest Encourages Reading Policy Documents
To highlight the importance of reading policy documents from start to finish, Squaremouth awarded one customer $10,000 in a secret contest for being the first to read hers. Then, we gave another $10,000 to a children’s literacy charity and $5,000 each to two schools.
Read more$1,000 Tips Shine a Light on Service
Squaremouth, a company that puts a focus on customer service, rewards 20 outstanding customer service providers in St. Petersburg, Florida with $1,000 cash tips. Then, one received an additional $10,000 as the Thank You Campaign’s grand prize winner.
Read moreOne of America’s Best and Fastest-Growing Companies
Squaremouth is consistently awarded for its unique company culture and steady revenue growth. This includes national recognition from Inc. Magazine, Fortune, and Entrepreneur, and local recognition from the Tampa Bay Business Journal and Florida Trend.
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