Flight Accident
Accidental death and dismemberment insurance, known as AD&D insurance, pays you, or your beneficiary (or your estate if you do not name a beneficiary) a lump sum benefit (e.g., $500,000) when an accident results in your death or the loss of a limb or the loss of your eyesight. There are 3 major types of Travel AD&D insurance:
"Common Carrier" means any licensed land, water, or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire (e.g., airplane, train, bus, subway, tram, ferry, cruise ship, taxi, limo, etc.). AD&D insurance usually covers Terrorism, but some plans require the payment of additional premium for a Terrorism Rider. War is usually excluded, but War Risk AD&D insurance is available at a high cost, and you must complete a special application with details about your trip itinerary and activities.
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