What is Flight Only AD&D?
Flight Only AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while flying during a covered trip.
Flight Only AD&D coverage applies to travelers who are passengers of a licensed air conveyance. Travelers who are piloting their own plane or acting as crew are generally excluded.
This benefit typically provides the highest payout compared to other forms of AD&D coverage: 24 Hour AD&D and Common Carrier AD&D.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Flight Only AD&D coverage.
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Flight Only AD&D by Provider
AXA Assistance USA
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| Policy Name and Summary of Coverage | Full Policy Wording | |
| 1 |
$25,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT 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 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% “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 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 |
$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 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% “Loss” with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and 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 |
$100,000 per person |
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ACCIDENTAL DEATH & 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 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% “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 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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Berkshire Hathaway Travel Protection
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 4 |
$50,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT Common Carrier Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses Life – 100% “Loss” with regard to: EXPOSURE The Company will pay a benefit for covered Losses as specified above which result from You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
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| 5 |
$25,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. 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% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
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| 6 |
Optional coverage |
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ACCIDENTAL DEATH AND DISMEMBERMENT – COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses Life …………………………………………………………………… 100% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
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Generali Global Assistance
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 7 |
$50,000 per person
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ACCIDENTAL DEATH AND DISMEMBERMENT – AIR FLIGHT ACCIDENT We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule. Life…………………………… . . . . . 100% If you suffer more than one loss from one Air Flight 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 Air Flight Accident covered by the Policy, 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 Air Flight 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 Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident. Exclusions We will not pay for loss caused by or resulting from: 1. Sickness of any kind; 2. service in the armed forces of any country. |
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| 8 |
$75,000 per person
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ACCIDENTAL DEATH AND DISMEMBERMENT – AIR FLIGHT ACCIDENT We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule. Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% If you suffer more than one loss from one Air Flight 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 Air Flight Accident covered by the Policy, 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 Air Flight 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 Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident. Exclusions We will not pay for loss caused by or resulting from: 1. Sickness of any kind; 2. service in the armed forces of any country. |
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| 9 |
$100,000 per person
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ACCIDENTAL DEATH AND DISMEMBERMENT – AIR FLIGHT ACCIDENT We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule. Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% If you suffer more than one loss from one Air Flight 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 Air Flight Accident covered by the Policy, 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 Air Flight 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 Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident. Exclusions We will not pay for loss caused by or resulting from: 1. Sickness of any kind; 2. service in the armed forces of any country. |
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GoReady Insurance
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| Policy Name and Summary of Coverage | Full Policy Wording | |
| 10 |
$25,000 per person
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ACCIDENTAL DEATH AND DISMEMBERMENT – AIR FLIGHT ACCIDENT We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule. Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% If you suffer more than one loss from one Air Flight 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 Air Flight Accident covered by the Policy, 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 Air Flight 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 Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident. Exclusions We will not pay for loss caused by or resulting from: 1. Sickness of any kind; 2. service in the armed forces of any country. |
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HTH Travel Insurance
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| Policy Name and Summary of Coverage | Full Policy Wording | |
| 11 |
$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 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% “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 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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| 12 |
$25,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT 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 three hundred sixty-five (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 shown in the Table of Losses. 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 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 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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| 13 |
$50,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT 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 three hundred sixty-five (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 shown in the Table of Losses. TABLE OF LOSSES Life – 100% “Loss” with regard to: 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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IMG
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 14 |
iTravelInsured Travel Essential $10,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) – AIR FLIGHT ONLY We will pay the percentage indicated in the Table of Losses below, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You sustain an Injury caused by an Accident occurring during Your Trip. The Accident must occur solely while riding as a passenger in or on, boarding or alighting from, any aircraft operated under a valid license for the transportation of passengers for hire or a regularly scheduled airline or regularly scheduled charter company. The Accident must result in a Loss shown in the Table of Losses below. The Loss must occur within the one hundred eighty (180) days after the date of the Injury causing the Loss. TABLE OF LOSSES Life 100% Any loss must be certified as permanent with no reasonable expectation of recovery by a Physician. 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. Exposure and Disappearance We will pay benefits for covered Losses that result from You being unavoidably exposed to the elements because of an Accident occurring during Your Trip. The Loss must occur within one hundred eighty (180) days after the event that caused the exposure. If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within one hundred eighty (180) days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a Loss of life. |
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John Hancock Insurance Agency, Inc.
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| Policy Name and Summary of Coverage | Full Policy Wording | |
| 15 |
Optional coverage |
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ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses , 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. The Principal Sum is shown on the Schedule of Benefits. Loss with regard to: Life – 100% 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; and c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears. 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 for the losses sustained. EXPOSURE: We will pay benefits for covered losses that 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. |
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| 16 |
Optional coverage |
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ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses, 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. The Principal Sum is shown on the Schedule of Benefits. Life – 100% 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; and c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears. 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 for the losses sustained. EXPOSURE: We will pay benefits for covered losses that 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. |
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| 17 |
Optional coverage |
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ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses , 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. The Principal Sum is shown on the Schedule of Benefits. Life – 100% Loss with regard to: a) hand or foot, means actual complete severance through and b) eye means an entire and irrecoverable loss of sight; and c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears. 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 for the losses sustained. EXPOSURE: We will pay benefits for covered losses that 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. |
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Nationwide Mutual Insurance Company
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 18 |
Optional coverage |
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OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT If You purchase this optional benefit, the following coverage is available to You. 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% “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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| 19 |
Optional coverage |
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OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY) If You purchase this optional benefit, the following coverage is available to You. 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% “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. 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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Seven Corners
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 20 |
Optional coverage |
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OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury: a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated: (i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; (ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or (iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline. b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy; c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy. 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 on the Schedule of Benefits. Benefits will be paid as follows: 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. The Principal Sum is shown in the Schedule of Benefits. Flight Only Accidental Death and Dismemberment also includes an Accident Medical Expense Benefit that provides You a maximum of $50 of Accident Medical Expense Benefit Limit for each $1,000 of Your chosen Flight Only Accidental Death and Dismemberment Benefit amount. Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance. You must receive initial medical treatment within 30 days of the date of Accident. Eligible Medical Expenses must be incurred within 52 weeks of the date of Accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life). |
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| 21 |
Optional coverage |
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OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury: a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated: (i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; (ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or (iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline. b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy. c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy. 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 on the Schedule of Benefits. Benefits will be paid as follows: 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. The Principal Sum is shown in the Schedule of Benefits. Flight Only Accidental Death and Dismemberment also includes an Accident Medical Expense Benefit that provides You a maximum of $50 of Accident Medical Expense Benefit Limit for each $1,000 of Your chosen Flight Only Accidental Death and Dismemberment Benefit amount. Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance. You must receive initial medical treatment within 30 days of the date of Accident. Eligible Medical Expenses must be incurred within 52 weeks of the date of Accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life). |
||
Tin Leg
|
||
|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 22 |
$25,000 if purchased within 15 days of deposit |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses Life …………………………………………………………………… 100% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
| 23 |
$50,000 if purchased within 15 days of deposit |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. 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% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
| 24 |
$25,000 per person |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT – COMMON CARRIER (AIR ONLY) We will pay benefits for 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 by a common carrier during the covered 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 schedule of benefits. If more than one loss is sustained as the result of an accident, only one benefit, the largest, will be payable for all losses due to the same accident. We will not pay more than 100% of the maximum limit for all losses due to the same accident. TABLE OF LOSSES Life – 100% Loss with regard to: a. Hand or foot, means actual complete severance through and above the wrist or ankle joints; Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions: In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from: a. Death caused by or resulting directly or indirectly from sickness or disease of any kind; or |
||
| 25 |
$150,000 per person |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT – COMMON CARRIER (AIR ONLY) We will pay benefits for 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 by a common carrier during the covered 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 schedule of benefits. If more than one loss is sustained as the result of an accident, only one benefit, the largest, will be payable for all losses due to the same accident. We will not pay more than 100% of the maximum limit for all losses due to the same accident. TABLE OF LOSSES Life – 100% Loss with regard to: a. Hand or foot, means actual complete severance through and above the wrist or ankle joints; and Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions: In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from: a. Death caused by or resulting directly or indirectly from sickness or disease of any kind; or |
||
Travel Insured International
|
||
|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 26 |
Optional coverage |
|
|
OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury: a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated: (i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; (ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or (iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy; . c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy: 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 on the Confirmation of Benefits. Benefits will be paid as follows: Table of Losses Loss of Life – 100% 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. Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance. The Principal Sum is shown in the Confirmation of Benefits. EXPOSURE AND DISAPPEARANCE We will pay benefits for covered losses that result from Your 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, 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, 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. |
||
| 27 |
Optional coverage |
|
|
OPTIONAL AIR FLIGHT ONLY 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 an Air Common Carrier, that results in a Loss shown in the Table of Losses below. Table of Loss 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 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 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 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 365 days after a disappearance due to an Accident during Your Trip. 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. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
||
| 28 |
Optional coverage |
|
|
OPTIONAL AIR FLIGHT ONLY 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 an Air Common Carrier, that results in a Loss shown in the Table of Losses below.Table of Loss 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 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; b) eye or eyes means total and irrecoverable Loss of entire sight thereof; c) speech means entire and irrecoverable Loss of speech; d) hearing means entire and irrecoverable Loss of hearing in both ears; e) 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 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 365 days after a disappearance due to an Accident during Your Trip. 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. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
||
Travelex Insurance Services
|
||
|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 29 |
Optional coverage |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while the Insured is on the 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. 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% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
| 30 |
Optional coverage |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. 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% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
| 31 |
$300,000 per person |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while the Insured is on the 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. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses Life …………………………………………………………………… 100% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
| 32 |
$300,000 per person |
|
|
ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip 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. The accident must occur while You are on the Trip and are 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. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses Life …………………………………………………………………… 100% “Loss” with regard to: a) hand or foot means actual severance through or above the wrist or ankle joints; 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 You 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 Your body cannot be located one year after a disappearance due to an accident during the Trip. |
||
TravelSafe
|
||
|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 33 |
Optional coverage |
|
|
OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS – AIR FLIGHT ONLY 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 an Air Common Carrier that results in a Loss shown in the Table of Losses below. Table of Loss 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 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. 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 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 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. |
||
| 34 |
Optional coverage |
|
|
OPTIONAL AIR FLIGHT ONLY 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 an Air Common Carrier, that results in a Loss shown in the Table of Losses below. Table of Loss 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 Scheduled of Benefits for all Losses due to the same Accident. Loss with regard to: d) eye or eyes means total and irrecoverable Loss of entire sight thereof. 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 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 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. |
||
| 35 |
Optional coverage |
|
|
OPTIONAL: AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury: (a) while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight operated: (i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; (ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or (iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or (b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy; 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 on the Confirmation of Benefits. Benefits will be paid as follows: 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. The Principal Sum is shown in the Confirmation of Benefits. EXPOSURE AND DISAPPEARANCE We will pay benefits for covered losses that result from Your 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, 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, 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. |
||
Trawick International
|
||
|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 36 |
No coverage |
|
|
There is no Flight Only AD&D coverage with this plan. |
||
| 37 |
No coverage |
|
|
There is no Flight Only AD&D coverage with this plan. |
||
| 38 |
$20,000 per person |
|
|
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 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% “Loss” with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and 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. |
||
| 39 |
$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 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% “Loss” with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and 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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| 40 |
$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 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% “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 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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| 41 |
$20,000 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 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% “Loss” with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and 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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USI Affinity Travel Insurance Services
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| Policy Name and Summary of Coverage | Full Policy Wording | |
| 42 |
$10,000 per person |
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ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses, 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. The Principal Sum is shown on the Schedule of Benefits. TABLE OF LOSSES Life – 100% 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; and c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears. If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest percentage shown in the Table of Losses for the losses sustained. EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that 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. |
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