Our travel insurance for accidental death and dismemberment offers compassionate support and financial relief for travelers and families after a serious travel accident. Plus, we offer coverage for exposure and disappearance.
How our accidental death
travel insurance can help you
No one ever expects tragedy while traveling. Our travel insurance for accidental deaths and dismemberment can help travelers and their families through the unimaginable.
Here's what you get with
our accidental death travel insurance
If tragedy strikes abroad, our travel insurance for accidental death and dismemberment can provide much-needed financial support to you and/or your loved ones. Our coverage can also protect against exposure (like extreme weather) and disappearance during transit.
Before you buy: Our flight plans only offer travel insurance for accidental deaths related to air travel. For broader protection — including coverage for dismemberment (such as the loss of limbs), exposure, and disappearance — explore our Ultimate, Advantage, Essential, or Travel Med Go plans.
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Why vacation with our
accidental death travel insurance?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
Our plans already include key benefits like accidental death and dismemberment coverage — and with up to nine optional upgrades, you can customize your protection for how and where you travel.
25+ years' experience
For more than two decades, we've helped travelers and their families prepare for life's unexpected moments — with reliable plans, clear guidance, and compassionate support.
24/7 travel support
If an emergency happens, our assistance provider is always ready to help — from arranging medical care to guiding you through next steps after a serious incident abroad.
Get to know our
coverage a little bit more
While our accidental death and dismemberment travel insurance helps protect your loved ones in rare, serious situations, our other benefits and optional upgrades are designed to help support you through more common travel disruptions.
Unpack our benefits
Looking for more than just travel insurance for accidental deaths? Our plans go further — with benefits for medical emergencies, trip interruptions, lost baggage, and more.
Discover our upgrades
Travel insurance for accidental death and dismemberment is already built into our select plans, and you can add up to nine upgrades to create protection that fits your getaway.
Pack our Travel On app
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Tips for handling
unexpected travel accidents abroad
Travel mishaps can happen — beyond the extremes of an accidental death or serious injury. These guides can help you navigate life's smaller travel setbacks with confidence.
Want to know more about
our accidental death travel insurance?
Learn about our coverage for accidental death, dismemberment, exposure, and disappearance, as well as how we can help care for you and your loved ones.
Having a serious accident on vacation can change your life in many ways. But if you have accidental dismemberment coverage, financial relief can help make this unexpected journey easier.
When you travel with our accidental dismemberment coverage, if a vacation accident causes you or another traveler on your policy to lose a limb, sight, speech, or hearing, we can pay you up to the amount listed in your policy.
Wondering how payment works? What you receive depends on which plan you choose and what body part or function you lost unexpectedly on your trip.
Here's the percentage of the maximum covered amount we can pay for specific losses:
- Both hands or both feet: 100%
- One hand and one foot: 100%
- One hand or one foot plus loss of sight in one eye: 100%
- Loss of sight in both eyes: 100%
- One hand, one foot, or loss of sight in one eye: 50%
- Speech and hearing: 100%
- Speech or hearing: 50%
If you have more than one loss during the trip from the same eligible accident, we can pay for the loss with the larger benefit.
What if you have a loss and doctors surgically reattach the limb? We can pay 50% of your accidental dismemberment benefit. If after 365 days the reattachment failed and you have a permanent loss of use of the limb, we can pay the rest of the coverage amount.
This type of coverage can help protect both you and anyone else insured on your policy from two accidental scenarios: exposure to weather that causes harm and disappearance while on transportation.
Our exposure and disappearance coverage can help you in two ways:
- If you have an accident on vacation, you could be exposed to weather that results in a loss that's eligible for coverage. For example, if you're unexpectedly stuck without shelter in below-freezing temperatures, you could lose a limb because of frostbite.
- If your transportation (like an airplane or ship) disappears, is wrecked, or sinks and you're not found within 365 days, your loved ones may need financial support to help with your loss.
With our exposure and disappearance benefit, we can pay you or your beneficiary the amount listed in your policy if you're involved in an eligible scenario.
Hopefully, you'll never have to use this coverage — but it can help you feel more at ease with financial support for unexpected accidents. Plus, serious travel accidents can have a major impact on your life and those of your loved ones. Knowing you or your beneficiary can have help with the sudden costs can provide some relief during a challenging time.
When could our travel insurance with accidental death and dismemberment coverage be especially helpful? Whether you're on a flight, snorkeling in a coral reef, or sightseeing on historic streets — or even something riskier like skiing in Switzerland or bungee jumping in New Zealand — our coverage can help financially if something goes very wrong.
Good to know: Our base plans don't cover all adventure activities. If you're planning on doing certain activities our base plans exclude, like skydiving and skiing, you can help protect yourself by adding our adventure activities upgrade to your Essential, Advantage, Ultimate, or Travel Med Go plan.
We have four plans that offer accident coverage for your trip. Each plan has a different level of coverage per person, so you can choose which one works best for you:
- Essential: $10,000
- Advantage: $20,000
- Ultimate: $25,000
- Travel Med Go: $10,000
Important: Our plans only provide coverage for one "accident" loss. This means the coverage limit is the same for each accident benefit — accidental death, accidental dismemberment, and exposure and disappearance — and you can receive up to this limit once for an eligible accident.
Looking for accidental death travel insurance for your flight only? Our Flight Insure and Flight Insure Plus plans offer up to $1 million in accidental death for air travel coverage.
You can — for your flight! If you choose our Essential, Advantage, Ultimate, or Travel Med Go plan, you can include our accidental death for air travel upgrade. You'll be able to select $200,000, $500,000, or $1,000,000 coverage to add to your policy depending on your needs. Then, you can have extra protection for an extra-confident plane ride.
No. Accidental death and dismemberment coverage only applies when a covered injury or death results directly from an accident that occurs during your trip.
Deaths caused by natural illness, disease, or other non-accidental circumstances are not eligible for coverage under this benefit.
For full details on covered events and exclusions, refer to your plan documents or the Description of Coverage (DoC).
Life insurance and accidental death and dismemberment coverage serve different purposes.
Life insurance generally covers death from most causes, including natural illness or disease, while accidental death and dismemberment travel insurance applies only when a covered accidental injury or death occurs. Having both can provide broader protection, but it depends on your personal needs and existing coverage.
For details about what's included in your Travelex travel insurance policy, review your plan documents or contact our customer service team.
Ready to get accidental death travel insurance?
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Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. The product descriptions provided above are only summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy, the Policy will govern in all cases. Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage. Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. CA Agency License #0D10209.
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