Flight Only AD&D Coverage

What is Flight Only AD&D Travel Insurance?

Flight Only AD&D, short for Flight Only Accidental Death and Dismemberment, is a travel insurance benefit that provides a cash payment in the event of accidental loss of life or limb while flying as a passenger on a commercial aircraft.

Most travel insurance policies include some form of accidental death and dismemberment (AD&D) insurance coverage. Other types of AD&D coverage you may encounter include 24 Hour AD&D and Common Carrier AD&D. Flight Only AD&D is the most restrictive form of dismemberment coverage, but generally offers the most reimbursement in the event of a covered accident.

Exclusions, coverage limits, and limitations differ from one travel insurance plan to the next.

---

FAQs: Flight Only AD&D Travel Insurance

What Does Flight Only AD&D Cover?

Flight Only AD&D is often referred to as flight accident insurance because it’s designed to cover airline passengers who suffer an accidental injury that results in loss during a covered trip. Most plans will cover accidents that occur while flying, boarding, or alighting from an airplane.

Injuries that are typically covered by accidental death & dismemberment insurance include:

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

What Are the Coverage Limits for Flight-Only AD&D Insurance?

Unlike other types of travel insurance coverage that work on a reimbursement basis, such as Trip Cancellation, Flight Only AD&D provides policyholders with a cash payment, referred to as a principal sum. The amount of coverage depends on the policy, but typically ranges from $25,000 to $100,000 per traveler.

Travel insurance companies will consider the extent of your loss when determining the percentage of the principal sum you are eligible for. For example, a plan may payout 100% of the principal sum if you lose sight in both eyes, and 50% if you lose sight in one eye.

For the exact coverage limits for a specific travel insurance plan, you can reference a policy’s Certificate of Insurance at any time.

Does Travel Insurance Cover Plane Crashes?

Yes, travel insurance can provide coverage in the event of a plane crash, but the protection depends on the type of policy you purchase.

Most comprehensive travel insurance policies include coverage for emergency medical treatment, medical evacuation, and accidental death and dismemberment (AD&D) if you’re injured or killed in a plane crash while traveling.

Flight Only AD&D pays a lump sum to you or your beneficiary if you experience a loss of life or limb while you are traveling on a common carrier, such as a commercial aircraft. It’s important to find a policy with this coverage if you have specific concerns about the risks of flying.

How Do I Find a Travel Insurance Policy With Flight Only AD&D?

Plans that include the Flight Only AD&D benefit can offer peace of mind when flying to your destination. Finding plans with this type of coverage is made simple with modern travel insurance tools.

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

---

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

Looking for a policy with Flight Only AD&D coverage?

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