Accidental Death and Dismemberment insurance adds a unique layer of protection, providing peace of mind and financial security for those unpredictable moments in life. If your workplace provides an AD&D policy with your benefits package, it’s still valuable to know what it covers and what it doesn’t cover. If you’re looking into AD&D insurance, make sure you review the policy in detail with your insurance agent so you know exactly what they will not cover. In the meantime, this article will help you understand what Accidental Death and Dismemberment insurance does and doesn’t cover, generally.

What AD&D Insurance Does Cover

Accidental Death & Dismemberment insurance covers death and injuries from accidents. It doesn’t provide financial protection in the event of death by natural causes or disease. With AD&D insurance, you’re typically covered for accidents at home, work, or travelling. While death from an accident does not necessarily have to be immediate to be covered, it does have to occur within a certain period of time following the accident.

What Accidental Death & Dismemberment Insurance Doesn’t Cover

What exactly is considered an “accident” by insurance companies isn’t always straightforward. Policies usually have a list outlining the situations in which death or injury won’t be covered. Those exclusions can vary from company to company and can depend on where the policy is issued. Either way, these should be clearly stated in the policy. 

In general, benefits are not usually payable for:

  • Injury that occurred prior to coverage
  • Death from an illness, including mental illness
  • Injury or death by suicide or self-inflicted injuries
  • Injury or death by drug overdose
  • Death or injury while driving under the influence of alcohol
  • Death or injury from inhaling gas or taking poison voluntarily
  • Death or injury while committing a crime
  • Death or injury while participating in a riot 
  • Death or injury suffered during a war
  • Injury suffered while serving in the military
  • Death or injury from car racing, flying a plane, or playing professional sports
  • Death or injury from extreme sports, like sky diving and scuba diving

Additional AD&D Insurance Benefits

In certain situations, some insurers will pay additional benefits. For example, if you were wearing a seatbelt during an accident that resulted in death or injury. There might be additional benefits that can be used to help children pay for higher education, as well as benefits for counselling, and legal and financial services for the surviving spouse. Your options will vary based on the provider.

How to Get Accidental Death & Dismemberment Insurance

It’s possible that your employer offers AD&D insurance as part of its benefits package. If not, or you’re looking for a better policy, you can get AD&D insurance through Hudson’s Bay Financial Services, underwritten by CHUBB. With CHUBB’s AD&D Insurance, there are no medical questions or health exams, and coverage is guaranteed for everyone under the age of 75. AD&D Insurance can benefit anyone, as life is unpredictable and accidents can happen at any moment. You can remove some of the burden that arises for your family when accidents happen.

Get your free personalized insurance quote today.