$25,000 per person
24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.
ACCIDENTAL DEATH AND DISMEMBERMENT
We will pay you for this benefit for one of the losses shown in the Table of Losses below if you are injured during the covered trip. The loss must occur within three hundred sixty-five (365) days of the date of the accident that caused the injury. We will pay the percentage shown below of the maximum limit shown in the schedule of benefits.
If more than one loss is sustained as the result of one accident, only one benefit, the largest, shall 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%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Loss with regard to:
a. Hand or foot, means actual complete severance through and above the wrist or ankle joints; and
b. Sight means an entire and irrecoverable loss of sight in that eye.
We 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 covered trip. The loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.
We will pay for loss of life as shown above if your body cannot be located within one (1) year after a disappearance due to an accident during the covered trip.
Accidental Death and Dismemberment Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment 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
b. Stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm;
c. Intentionally self-inflicted injury,suicide, or attempted suicide by you;
d. You or your traveling companion traveling for the purpose of securing medical treatment;
e. Normal pregnancy or childbirth, or elective abortion. However, unforeseen complications of pregnancy are not excluded;
f. Your mental, nervous or psychological disorder; or
g. Pre-existing medical conditions.