Accidental Death & Dismemberment Insurance

International Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance is an important part of protecting your family's financial well being should you prematurely die or become disabled. These plans will pay you, your beneficiary, or your estate (if a beneficiary is not designated) a lump sum benefit (e.g. $500,000) should an accident results in your death, or the loss of a limb/eyesight. No one can predict when an accident will happen but you can be sure your loved ones will be financially secure should one occur.

We have a great selection of high quality insurance products underwritten by "A" rated insurance carriers.

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Global Accident Protection 24/7 Standard from Global Underwriters
We live in uncertain times. An accidental death and dismemberment insurance policy can help to give you and your family peace of mind in the event of your death or disability. Our Global Accident Protection 24/7 includes coverage for an Act of Terrorism and is your best choice for accidental death & dismemberment coverage worldwide. Optional war risk and high risk destinations coverage is available.
Available to anyone traveling outside of their permanent resident country
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Global Accident Protection 24/7 War Risk from Global Underwriters
Travel to war risk and high risk destinations can be a harrowing task. An accidental death and dismemberment insurance policy can help to give you and your family peace of mind in the event of your death or disability. Our Global Accident Protection 24/7 is your best choice for accidental death & dismemberment coverage for war risk and high risk destinations.
Available to anyone traveling outside of their permanent resident country
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Single Trip Travel Accident Elite from Insuractive, Inc.
Provides up to Travel Accident insurance for a single trip (domestic and/or international) up to 185 days. Also offers Emergency Medical Evacuation, Repatriation of Remains and 24/7 Travel Assistance services (US Residents only).
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Annual Travel Accident Elite from Insuractive, Inc.
Provides Annual Common Carrier Travel Accident insurance with coverage worldwide for unlimited trips up to 185 consecutive days per trip. Additional Emergency Evacuation, Repatriation of Remains and 24/7 Travel Assistance services benefits makes this a well-rounded annual package plan (US residents only).
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Business Travel Accident (BTA) from Global Underwriters
Many U.S. companies and corporations choose to minimize the potential liability they face when employees travel. To further their Duty Of Care strategy they purchase insurance that includes AD&D Benefits, Medical Coverage (Domestic & International), Med-E-Vac Coverage, and Medical Repatriation. Optional War Zone and Political Evacuation Coverage is also available. Premiums are paid by the employer, but benefits are paid directly to employees or their beneficiaries. Premiums are calculated by the number of employees, estimated number of travel days per year per class of employee, and benefits desired.
Available to U.S. based companies.
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Preferred from RoamRight
Our most flexible trip/flight cancellation policy provides Medical, Dental, Evacuation and AD&D benefits and lots of options for coverages like Cancel for Work Reason and more. One FREE child (under 18) plan included with each adult plan purchased.
Available to U.S. Residents
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Frequently Asked Questions
Can I buy two AD&D policies and have the twice the coverage?
You may purchase two policies but they would have to be issued by two separate underwriters. Each underwriter will limit his or her risk to cover only the maximum amount offered for one policy.

What is the difference between AD&D coverage and Life Insurance?
AD&D insurance pays when an accident results in your death or the loss of a limb or the loss of your eyesight. Life Insurance is a contract between an insurance company and an individual, generally guaranteeing payment to the beneficiary(ies) if the insured dies during the policy term.

Can I buy Annual Travel Accidental Elite plans for my employees? They travel extensively throughout the year.
Yes you may. Many companies purchase an Annual Travel Accident Elite plan as an addition to their employee benefits package. In addition, more and more life insurance agents are also recognizing this as an inexpensive way to enhance their client’s insurance portfolios.

What countries are considered High Risk?
Afghanistan, Chechnya, Egypt, Iran, Iraq, Israel (West Bank & Gaza Strip), Indonesia, Ivory Coast, Jordan, North Korea, Kuwait, Lebanon, Macedondia, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Somalia, Sri Lanka, Sudan, Syria, Turkey, United Arab Emirates, Uzbekistan, Venezuela, Yemen.


Do you have your own questions? Give us a call or send us an email.
The Travel Insurance Experts