Accidental Death & Dismemberment (AD&D) Coverage
Accidental Death & Dismemberment (AD&D) Coverage
Travel brings unforgettable experiences, but it can also involve unforeseen risks. Accidental Death and Dismemberment (AD&D) coverage from Arch RoamRight provides financial protection for you and your loved ones if a serious covered accident results in death or loss of limb, eyesight or speech while traveling.
What Is Accidental Death & Dismemberment Coverage?
AD&D coverage offers a lump-sum benefit if you suffer a covered accidental injury or death during your trip. It’s designed to help ease the financial burden that can result from a severe travel accident by providing funds directly to you or your designated beneficiary.
Coverage applies to certain accidental injuries — such as the loss of life, limbs or sight — that occur while traveling, including as a passenger on a common carrier like an airplane, train or cruise ship.
What It Can Cover
- Accidental loss of life while traveling
- Loss of one or more limbs, sight, speech or hearing due to a covered accident
- Common carrier accidents (such as airplane, train or cruise ship incidents)
- Lump-sum payments to you or your beneficiary based on the severity of the loss
- 24/7 travel assistance for emergencies and coordination of benefits
(Coverage amounts and definitions vary by plan. Refer to your policy for complete details.)
Why AD&D Coverage Matters
Even the most careful travelers can experience unexpected accidents. AD&D coverage provides an added layer of financial protection beyond standard medical or life insurance, helping families manage expenses and recover after a tragedy.
Whether you’re traveling across the country or around the world, Arch RoamRight’s AD&D coverage helps ensure that serious injuries or loss of life don’t create additional financial hardship for those you care about most.
Plans That Include Accidental Death & Dismemberment Coverage
AD&D coverage is included in several Arch RoamRight travel insurance plans:
Pro Plan
Pro Plus Plan
On Trip Plus Plan
Multi-Trip Plan
Each plan offers different benefit limits and optional upgrades. Compare all of our travel insurance plans to find the coverage that fits your travel needs.
Frequently Asked Questions
What does AD&D coverage include?
It provides a lump-sum benefit in the event of accidental death, loss of limbs, or loss of sight, speech, or hearing during a covered trip.
Is this the same as life insurance?
No. AD&D is a travel-specific benefit that applies only to certain accidental injuries or deaths that occur while traveling, often under specific conditions outlined in your policy.
Who receives the benefit if the insured traveler passes away?
The benefit is paid to the designated beneficiary listed on the policy. If no beneficiary is designated, payment follows the policy’s terms.
Are accidents on planes, trains or cruise ships covered?
Yes. Coverage typically applies to common carrier accidents while you are a fare-paying passenger, as defined in your policy.
If you have questions, our knowledgeable Customer Service Representatives can assist you in finding the right plan. Call us at