Understanding Flight Accident Insurance: A Focused Protection Plan
When you travel, ensuring the financial security of your loved ones is a top priority. While comprehensive travel insurance plans cover a wide array of potential mishaps, sometimes you need a more focused and affordable solution. This is where flight accident insurance comes in.
What is Flight Accident Insurance?
Flight accident insurance is a straightforward policy that provides a cash benefit to your designated beneficiary in the tragic event of your accidental death or dismemberment resulting from a covered flight accident. It is designed to provide a financial safety net for your family should the unexpected occur while you are in the air.
This type of insurance is an affordable way to secure substantial coverage for a specific risk, without the additional cost of more comprehensive travel insurance plans.
The Core Benefit: Accidental Death & Dismemberment (AD&D)
The flight insurance plan we offer is built around a single, crucial benefit:
- Accidental Death & Dismemberment (AD&D): This is the heart of the policy. If you suffer a fatal accident while on a covered flight, your beneficiary will receive the full policy amount. The plan also pays out a portion of the benefit for specific, severe injuries (dismemberment) such as the loss of a limb or eyesight, as detailed in the policy certificate.
This coverage applies to your journey on a regularly scheduled airline flight. It provides a simple, powerful layer of protection for you and your family.
Key Features of Flight Insurance
- U.S. Residents: Coverage is available to residents of the United States only.
- Trip Length: Coverage is available for trips up to 180 days.
- Underwriter: The plan is underwritten by Zurich American Insurance Company, which holds an A+ "Superior" rating from A.M. Best.
- Free Look Period: The plan includes a "free look" period (21 days in most states, 30 days in Indiana and Utah) from the effective date. You can cancel your policy for a full refund during this time, provided you have not started your trip or filed a claim.
- Exclusions: It is important to note that this plan does not cover trip cancellations, delays, baggage issues, or medical expenses. COVID-19 related incidents are also excluded.
For complete details, including all benefits, coverages, limitations, and exclusions, please refer to the policy wording.
Why Choose Flight Accident Insurance?
While we hope you never have to use it, flight accident insurance provides significant peace of mind for a minimal cost. It is an excellent choice for travelers who:
- Want to ensure their family is financially protected in a worst-case scenario.
- Already have medical coverage and don't need a comprehensive travel insurance plan.
- Are looking for an affordable and straightforward insurance option for their flight.
Get Your Flight Accident Insurance Quote Today
Securing flight accident insurance is a simple and responsible step to take before you travel. Insubuy makes it easy to get a quote and purchase your policy online. Our licensed, experienced agents are here to help you understand your options and choose the right coverage for your needs.
Travel with the confidence that comes from knowing you've protected what matters most.
Overview
Frequently Asked Questions (FAQ)
Does this insurance cover anything other than accidents on the flight?
No, this is a specialized policy. Flight insurance is specifically designed to cover accidental death or dismemberment that occurs during a covered flight. It does not cover medical emergencies, trip cancellations, or other travel-related issues.
Is the price based on my age or the cost of my airline ticket?
The price of flight accident insurance is typically not based on the cost of your ticket. It is based on the amount of coverage you choose to purchase.
Can I buy this insurance for my entire family?
Yes, you can typically purchase flight accident insurance for yourself and your traveling family members. You will be able to designate beneficiaries for each insured person.
What is the difference between this and the insurance the airline offers?
Airlines often offer various types of insurance at checkout. It is important to compare the benefits. Flight accident insurance is very specific in what it covers (AD&D). It allows you to choose a high coverage amount for a low premium, focusing solely on this specific risk and benefit.
How do I purchase flight insurance?
You can get an instant quote and purchase flight insurance directly from our website. The process is quick, easy, and secure.