What is Accidental Death & Dismemberment

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Accidental death and dismemberment (AD&D) insurance is a type of insurance coverage that provides financial protection to a beneficiary or policyholder if they suffer accidental death or serious injury caused by an accident.

This type of coverage is often included in an employee’s benefits package, but it can also be purchased independently as well. In this article, we’ll discuss what AD&D insurance is, how it works, and when it might be a wise choice.

What comes under accidental death?

Accidental death typically includes death caused by an unforeseen event such as an airplane crash, car accident, drowning, or other unexpected incident. It may also include death due to natural disasters, terrorism, or war.

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What is accidental death according to insurance?

Travel insurance companies typically define accidental death as an unexpected and sudden death caused by an external, violent, and visible event. The most common examples include motor vehicle accidents, falls, drowning, and fires.

The treatment of accidental death in travel insurance policies varies from company to company. Generally, the policy will pay a lump sum or other form of compensation to the beneficiary or estate of the deceased. The amount of compensation will depend on the terms and conditions of the policy.