11 International Travel Insurance Benefits You Must Check

10. Accidental death and dismemberment (AD&D)

Accidental death and dismemberment pays a lump sum to a beneficiary if you die in a covered accident or to you for certain severe injuries. The benefit amount varies and often supplements life insurance or family finances in the event of tragic accidents while travelling. AD&D typically covers loss of limb, sight, or hearing, and some policies specify exclusions for risky activities unless an adventure-sports rider is added. Beneficiary designation should be clear and reachable; double-check names and contact details before you travel. Because AD&D is not a substitute for comprehensive health or life insurance, treat it as a financial safety net rather than primary coverage. For older travellers or those taking high-risk excursions, review AD&D limits and whether the policy excludes particular activities you plan to do. If you need higher coverage, consider standalone life insurance or increasing your existing policy rather than relying solely on travel AD&D.