Reasons for Coverage


These benefits will not duplicate any other benefits. It is especially important to read your plan documents. Read the exclusions to understand what will disqualify travelers from 24-Hour AD&D benefits.

Loss of Limb or Limbs

If you lose a limb or limbs, that means severance at or above the wrist joint or ankle joint respectively.

Loss of Life

Benefits will be paid up to 100% of Principal Sum for loss of life.

Exposure and Disappearance

If you are unavoidably exposed to the elements because of a covered accident occurring during your trip, you are eligible for AD&D coverage. The loss must occur within 365 days of the event that caused the exposure.

If you are in an accident resulting in the disappearance while insured, and your body is not 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.

Important Plan Information

Not all coverages apply to the TravelSafe Basic Plan. Benefits in this website are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This web page does not constitute or form any part of the Plan Document or any other contract of any kind. Plan benefits limits, and provisions may vary by state jurisdiction or may not be available in all states. The Pre-Existing Condition exclusion is waived (under the Classic and Classic Plus Plans only) provided You have purchased the plan within 21 days of the date of your initial trip deposit and you are not disabled from travel at the time you purchase this your plan. It is important to read your plan documents to have a full understanding of the coverage available to you.