Travel Insurance Reviews Accidental Death Plans

Accidental Death and Dismemberment (AD&D) plans pay benefits if you should have a serious injury that results in dismemberment or loss of life. Loss of life benefits paid by these plans are in addition to any benefits paid by life insurance plans.

To learn more, read our Accidental Death Coverage article.

Customers rated our Accidental Death Plans
4.66 out of 5
1,019
ratings and reviews
98%
recommended
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IMT Travel Accident Plan
A trip begins when you leave your home. I was very disappointed to learn I was not covered during all phases of the trip, including all air travel whether in my home country or not. I would not purchase again unless commercial transportation inside my home country, USA, was included.
Daniel N. would not recommend this plan to a friend or relative.
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  • Carol
    Photo
    Thank you for your comments pointing out that the IMT Travel Accident Plan was not written to provide flight accidental death coverage while the traveler is within United States airspace. The plan states that "Coverage will begin at 12:00 A.M. Eastern Standard Time on the latest of the following: 1) The date the Company receives a completed application or enrollment form; or 2) The moment Plan Participant exits their Home Country airspace; or 3) The Date the Company approves the Application; or 4) The Date requested by the Plan Participant.
    Coverage will end at 11:59 P.M. Eastern Standard Time on the earliest of the following: 1) The date Plan Participant is no longer in an Eligible Class; or 2) The date the Plan Participant returns to his or her Home Country unless otherwise covered under the Plan Document; or; 3) The expiration of 365 days from the Effective Date of Coverage; or 4) The date shown on the Schedule of Insurance issued by the Company."

    We do offer plans covering Flight Accidental Death and Dismember (AD&D) within and outside United States airspace on our website. This coverage may also be available for an additional premium under some of our Comprehensive Coverage Plans.

    If you wish assistance in purchasing a plan, please call Customer Care weekdays 7:00 AM to midnight ET and weekends 9:00 AM to 9:00 PM ET.
    Dec 27,2017
AIG Travel Travel Guard Flight Guard
One of the other great things about my experience with Travel Guard was the Customer Service. The various representatives I spoke with were always courteous and friendly, took the time to explain everything and answer all my questions. Nowadays, Customer Service goes a long way in customer satisfaction, and Travel Guard gave me one of the best Customer Service experiences I've had. It's also nice that they don't have innumerable computer-generated menus (just a very few) you have to go through before you reach a representative. Good Job Travel Guard! Thanks for the great service.
Jerome H. would recommend this plan to a friend or relative.
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Note: This review is for an earlier version of the plan.
  • Empty Comment
IMT Travel Accident Plan
It is not an easy site to maneuver though to find the coverage that I need when I go there.
Joshua S. would recommend this plan to a friend or relative.
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  • Melissa J.
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    Thank you for your feedback. In the future, if you would like assistance using the comparison tool, please contact our office at 800-487-4722 where a licensed representative would be happy to help you.
    Dec 18,2017
IMT Travel Accident Plan
Because the trip was succesfull and no accidents or any harm I can tell only about easyness to order insurance by net and havin a calm feeling that I had it during my trip,
Rubina H. would recommend this plan to a friend or relative.
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  • Empty Comment
IMT Travel Accident Plan
Don't understand if you do activities, such as water sports, hiking, four wheeler why the insurance doesn't cover for accident!!!
Gregory D. would recommend this plan to a friend or relative.
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  • Kyle
    Photo
    Thank you for providing feedback on this policy.

    This policy was designed to cover Accidental Death and Dismemberment in the event of an accident during your trip. The policy does not cover the actual expenses incurred while you are being treated at a hospital or licensed medical facility, but the policy does offer additional add-ons for Medical Evacuation coverage. The policy would also cover many activities, such as hiking or some water sports, but would also exclude the following:

    "Travel in or upon: A snowmobile; A water jet ski; Any two or three-wheeled motor vehicle, other than a motorcycle registered for on-road travel; Any off-road motorized vehicle not requiring licensing as a motor vehicle; when used for recreation or competition. Unless Hazardous Activity Rider is purchased."

    "Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus; water skiing; snow skiing; spelunking; parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding. Unless Hazardous Activity Rider is purchased."

    Please feel free to contact us if you have any further questions or concerns. We have licensed representatives available 7 days a week, and they can be reached at 1-800-487-4722.
    Dec 08,2017
AIG Travel Travel Guard Flight Guard
Quick and easy. Will use again
Carlton R. would recommend this plan to a friend or relative.
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Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Travelex Flight Insure Plus
I had one incident. I had to change my plan flight. I contacted insure my trip about the change and they sent Travelex a notification. This was 4 days prior to my travel plans. I was told I would get confirmation about my change and I never did. I had to call to make sure I was covered. I got "it shouldn't be a problem". I would have preferred "It is NOT a problem". Faster response time would have been appreciated.
Nadja S. would recommend this plan to a friend or relative.
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Note: This review is for an earlier version of the plan.
  • Empty Comment
IMT Travel Accident Plan
Easy and complete.
Patrick G. would recommend this plan to a friend or relative.
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Claims not filed
  • Empty Comment
IMT Travel Accident Plan
I did not have to use the plan but feel it would cover my needs. thanks
Roy H. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
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Claims not filed
  • Empty Comment
Travelex Flight Insure Plus
Simple easy online process, provided peace of mind for a last minute, long distance trip. Highly recommend.
Starla S. would recommend this plan to a friend or relative.
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Value
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Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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