Finding the Best Accidental Death Flight Insurance for Your Next Trip

Traveling is an exciting experience, full of new sights, sounds, and adventures. But accidents can happen anywhere, even thousands of feet in the air. That’s why having the right accidental death and dismemberment (AD&D) flight insurance is so important – it provides financial protection for you and your loved ones in the event of a tragic accident while flying.

Keep reading to learn more about AD&D flight insurance, why you need coverage, and how to pick the best plan for your next airline trip.

What is Accidental Death Flight Insurance?

AD&D flight insurance provides a lump-sum payout to your designated beneficiaries if you die or suffer certain injuries in an accident – specifically while flying on a commercial passenger airline.

Policies usually pay out if the accident occurs from the moment you board the aircraft until you disembark. Some plans may also cover accidents in airports or even all common carrier transportation like taxis, buses, and trains.

Payout amounts range from $100,000 to $1 million or more. You can customize the amount based on your individual needs and budget.

Key Benefits of AD&D Flight Insurance

Here are some of the main advantages this specialized type of travel insurance provides:

Covers air travel risks – Flying comes with risks like turbulence, emergency landings, and plane crashes. AD&D flight insurance protects against accidents specific to commercial aviation.
Provides for loved ones – The payout helps replace your income so your family or dependents avoid financial hardship after the loss of a breadwinner.
Covers final expenses – AD&D proceeds can pay for funeral costs, medical bills, and other end-of-life expenses so your family doesn’t inherit the burden.
Applies worldwide – Policies cover flights anywhere in the world, domestic or international.
Customizable coverage – Pick a benefit amount that matches your individual financial needs.
Affordable premiums – Policies are inexpensive, especially for shorter trips.

Who Needs AD&D Flight Insurance?

These types of travelers commonly need coverage:

Business travelers who fly frequently for work.
Families with children who are financially dependent on a parent.
Young couples where both partners work to pay the bills.
Retirees who provide financial support for grandchildren.
Anyone with significant debt that would burden loved ones.
Those flying to adventure destinations with higher risks.

Even frequent flyers with substantial personal life insurance may want extra AD&D just for flights. The cost is generally very low compared to the value of the benefit.

Comparing AD&D Flight Insurance Plans

Once you decide AD&D coverage is right for your trip, choosing the best policy takes some research. Follow this checklist:

Coverage amount – Pick a benefit amount sufficient to replace income and cover expenses without overpaying.
Single trip vs. annual – Single trip covers just one flight, while annual plans cover unlimited flights for a full year.
Common carrier coverage – Some plans cover all common carriers, not just flights. This provides broader protection.
Medical limitations – Check if pre-existing medical conditions affect eligibility for claims payment.
Terrorism coverage – Make sure the plan pays benefits in the event of an accident due to terrorism.
Premium cost – Compare pricing across multiple providers to find the best value.
Customer service – Pick a provider known for quick claims payments and helpful customer support.

Top Recommended Providers

After researching the market, these three providers stand out for AD&D flight insurance:

AIG Travel Guard – The FlightGuard plan covers flights plus all common carriers. Well-known as an established travel insurance leader.
Travelex – Offers both single trip and annual options. Good choice for frequent travelers. Highly rated for claims service.
Insuractive – Specializes in flight accident coverage with options up to $2 million. Customizable plans and easy online purchase.

Be sure to get quotes from multiple companies to find the optimal plan in terms of price, benefits, and customer service.

How to Buy AD&D Flight Insurance

Purchasing a policy is quick and easy:

Use an online quote tool to pick coverage amounts and compare pricing.
Select your preferred plan and provider.
Enter your personal details to generate an instant quote.
If desired, adjust the coverage higher or lower.
Provide beneficiary information.
Pay your premium by credit card to activate coverage.

Many policies can be purchased up until the day before your departure flight. Print or download your policy documents and carry them with you during travel.

Travel with Complete Peace of Mind

Nobody wants to think about worst-case scenarios when planning an exciting trip. But accidents can happen anywhere – including at 30,000 feet. AD&D flight insurance is an affordable way to enjoy your travels with less worry.

For a few dollars, you can give your loved ones financial protection in the unlikely event of an accident while flying. Compare plans from top providers to find the right coverage at the best price for your next airline journey.

Flight Accident Coverage (Flight AD&D) – Travel Insurance Benefit

FAQ

What is flight only AD&D?

Flight Only AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while flying during a covered trip. Flight Only AD&D coverage applies to travelers who are passengers of a licensed air conveyance. Travelers who are piloting their own plane or acting as crew are generally excluded.

Does flight insurance cover death?

What does Flight insurance include? Flight insurance is the simplest form of life insurance. Coverage is for the death or dismemberment of the insured person if there is an accident while they are riding on a regularly scheduled flight.

Are accidental death insurance worth it?

If you prefer to add an AD&D policy or rider to it because it gives you more peace of mind, it may be worthwhile for your situation. Keep in mind that it will only pay out if your death or dismemberment is accidental and does not apply to deaths due to illness or other causes.

Can you buy flight accident insurance?

The Travelex Flight Insure plan offers options of $300,000, $500,000, and $1,000,000 for single-trip Flight Accident coverage. For flexibility, you may choose a single beneficiary or split benefits among multiple beneficiaries. This plan offers Flight-Only Accidental Death and Dismemberment.