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Good Neighbor Travel Insurance Blog

Accidental Death and Dismemberment Insurance – What is It?

June 4, 2010 By : Doug Gulleson

Few people who purchase Accidental Death and Dismemberment Insurance (AD&D) actually understand the importance of this plan.  It often appears as a tag-a-long to life insurance.  Nevertheless, it can prove useful to many people who have never thought about it before.

AD&D pays a benefit if the insured person dies due to an accident as opposed to a disease like heart disease.  If the plan is paired with Life Insurance, the benefit it pays is in addition to the Life Insurance benefit.  The exact amount and any exceptions are listed in your Certificate Booklet or Certificate of Insurance.

But what if you have an accident, and the doctors manage to save your life at the cost of a limb or other essential part? Life insurance only pays your beneficiary if you die.  AD&D pays the insured for certain disabling accidents.  Losing the use of your eyes because of an accident, for example, would change your life drastically.  The insurance still pays a lump sum depending on your loss.  Read your Certificate of Insurance carefully when you purchase the insurance to make sure the coverage is enough for what you might need.  It will do you no good to discover once you have a disabling accident that your insurance wasn’t sufficient.

Please note that if you plan to travel in a country for which the State Department has listed a Travel Warning, make sure your insurance will cover that.  Many AD&D plans won’t cover accidents in countries with Travel Warnings even if the accident is not related to war.

Good Neighbor Insurance can help you select excellent travel insurance that covers AD&D.

Doug Gulleson loves to scuba dive overseas and he makes sure he always takes his Amex card AND international travel insurance policy.  Visit Good Neighbor Insurance at https://www.gninsurance.com for your next overseas trip and get a FREE quote.

Doug Gulleson

Search Results

Health insurance for international students in the U.S.

January 16, 2013

All international students studying in the U.S. must have U.S. based or equivalent medical health insurance to include repatriation of remains (in the event of you passing on) and medical evacuation back to your home country of residence.  There are four major options for you: 1.   Your College or University that you will be attending […]

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Individual Kidnap and Ransom international insurance option

May 22, 2017

Individual Kidnap and Ransom international insurance option provided by Good Neighbor Insurance – Good Neighbor Insurance wants to highlight to our clients the importance of Kidnap and Ransom international insurance especially in volatile countries such as Venezuela and Turkey. Below is a part of an article from one of our international insurance carriers (Hiscox) that […]

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Sky Rescue Medical Evacuation insurance plan

February 17, 2015

Our Sky Rescue medical evacuation only travel plan, http://bit.ly/19teAcv, is a favorite travel plan for our clients.  Especially those who might already have a medical plan that covers them overseas but does not include medical evacuation, which is usually the most costly part of any accident overseas. We have many travel guests of ours who need […]

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Sky rescue evacuaion only insurance affordable popular

Do you realize your health care plan may not cover you in Canada?

January 20, 2010

Is traveling to Canada from the U.S. for the Vancouver Winter Olympics considered an international trip? Yes. Your U.S. domestic health insurance plan – whether it is individual, group, Medicare or Medicaid – will not cover you in Vancouver for medical evacuation.  They may cover doctor and hospital visits, but they won’t cover you for medical […]

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New Globehopper travel insurance for those over 65

May 7, 2018

Globe Hopper travel insurance for those over 65 (with no maximum age limit) Good Neighbor Insurance has always had some of the best travel insurance plans for seniors. Now we are happy to announce a new plan from IMG: Globe Hopper travel insurance for those over 65 including a unique “NON-MEDICAL EMERGENCY EVACUATION option that we […]

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Couple with travel insurance for those over 65 standing on bridge with big ben in the background

Should I offer dental insurance to my employees?

May 4, 2015

Should I offer dental insurance to my employees? Why Not? It is relatively inexpensive to include dental benefits in an employer’s benefits plan, and it may help the employer attract and retain highly skilled employees. Because dental hygiene is associated with overall health, employees with dental plans are often healthier. Employees without dental benefits may […]

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