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Although it is statistically safer to fly than to drive, people become concerned that they will perish in an airplane crash. Sometimes, the flight needs to be cancelled due to severe weather conditions. Fortunately, these instances and others may be covered by flight insurance in a general trip insurance package. Cancellation or Postponement Before people embark on a trip, they will need to purchase their airline tickets in advance, and this expense can be non-refundable. If a family planned a vacation in a faraway destination but needs to cancel before they can leave, they will lose the entire amount paid for the airline tickets. This can add up to a significant amount of money. If people feel that it is at all possible that they will need to cancel their trips or postpone them, a travel insurance policy with flight insurance would benefit them. Loss of Life or Dismemberment Sometimes, nothing prevents people from taking their vacations or going on business trips. However, an unfortunate incident can occur while they are traveling. Not everyone in this situation has a life insurance policy in place before they travel, but they can purchase flight insurance that will cover them while they are in the air. This type of coverage provides them with accidental death insurance in the unlikely event that they do not survive a plane crash. it’s becoming less and less likely that people are going to be involved in a plane crash, but if they are, they are more likely to survive now than they would have in the past. However, they may have significant injuries and may even be dismembered. Flight insurance in a trip insurance policy covers exactly this possibility and will offer them a sum of money if they lose a limb, for example, in a plane crash. Medical Insurance Coverage Flight insurance also benefits those who either have no medical insurance coverage or are traveling outside of the country. Those without medical insurance will need to consider the health insurance they can purchase in a travel insurance policy along with flight insurance in case they are injured in an airplane accident. Those with medical coverage may find that their health insurance policies do not cover them when they are outside of the country. If they are injured in an airplane accident, they will need the additional protection they can receive from flight insurance and travel medical insurance. When purchasing a travel insurance package, people can inform their insurers of how much money they would like their beneficiaries to receive in the event that they are involved in a plane crash. They will, most likely, be able to purchase a policy for a significant amount of money for a very low cost and travel with peace of mind. Travel insurance gives you the peace of mind that you need to fully enjoy yourself while on vacation. Basic policies cover quite a lot, but they don’t typically provide coverage for Accidental Death and Dismemberment, or AD&D. Even if you have basic coverage, you could end up in dire straits if you or a traveling companion suffers loss of life or limb while abroad. To cover all of your bases, consider choosing a policy with AD&D coverage or select AD&D as an optional upgrade when comparing and buying online. Travel Insurance and Accidental Death and Dismemberment Since AD&D isn’t usually covered by basic travel insurance policies, you’ll have to either specifically choose such a policy or upgrade a basic policy with special AD&D coverage. This type of coverage typically provides a lump-sum payment – up to the policy limit – in the event that loss of life or limb happens during a covered trip. Should you incur an injury that results in your death or in the total and permanent loss of one or both hands or feet or one or both eyes, it will be covered as long as it occurred within a certain number of days and as a direct result of an accident during your getaway. Special Coverage for AD&D Most AD&D policies and policy upgrades pay death benefits at 100 percent of the policy limit. Dismemberment benefits are typically paid at a percentage, with one loss typically paying out at 50 percent of the policy limit and multiple losses paying out additional amounts up to 100 percent of the policy limit. Considerations Accidental death and dismemberment coverage is usually offered by trip protection package plans and travel medical plans, and it can sometimes be purchased as an optional upgrade. Please note that such coverage typically excludes emergency medical evacuations and repatriation of remains. Coverage for such incidents must usually be purchased separately or fall under a separate emergency medical evacuations and repatriation of remains benefit. Read the fine print of all policies that you investigate to ensure that you are getting the right level of coverage for your upcoming trip. Breathe Easier with Accidental Death and Dismemberment Travel Insurance Don’t let your carefully laid travel plans go to waste. Compare travel insurance plans with Accidental Death and Dismemberment on TravelInsurance.com to more easily pinpoint options that suit your needs and budget. • Easy to use system allows for quoting and buying online • Affordable and reliable group coverage for your trip • Safe and secure encrypted checkout • Pay with one or multiple credit cards in a single policy transaction • Group plans from A+ rated underwriter (rated by A.M. Best for financial stability) • Get instant confirmation of coverage via email after purchase Emergencies happen unexpectedly, so it is wise to have 24-hour medical protection while on a trip. This includes medical evacuation and emergency medical coverage. Besides health concerns, group trip insurance should guard personal property as well. For instance, insurance should cover loss or theft of luggage and other personal items. Finally, group trip insurance should protect travelers against cancellation fees, travel delays, or other circumstances that cause financial losses. When a traveling group consists of ten or more people going to the same destination together, obtaining this type of insurance is an affordable and easy way to gain protection before a trip. Each individual is covered with the group on a single policy, which saves time and the hassle of taking out separate policies. Each traveler has the same level of coverage, and certain group policies include additional benefits. Often, group trip insurance comes with an attractive price, especially for seniors or children traveling with responsible adults. Rates vary according to the trip, but they are largely based on age, length of trip and trip costs. The total cost is shared between all members, which can significantly lower the price per person. There are a variety of available plans suitable for a group of travelers. Policies may cover corporate, volunteer, study abroad, religious, family reunions/trips, organized tours and more. It is essential to find the right policy at the best price. Our easy to use group travel insurance engine will allow you to find the right coverage for your group and get covered in minutes