Accidental Death and Dismemberment – Common Carrier Coverage provides financial protection if you are seriously injured or pass away due to a covered accident while traveling as a fare-paying passenger on licensed public transportation. This can include planes, trains, buses, ferries, or cruise ships.
If such an accident occurs during your trip, this benefit typically pays a lump-sum amount to you or your beneficiary, depending on the nature of the injury or loss. Covered injuries may include the loss of life, limb, sight, or other permanent impairments.
This coverage is limited to incidents that happen while you're actively riding on a common carrier, and it’s meant to offer peace of mind during those parts of your journey where you may feel least in control. As always, it’s important to review your policy for specific definitions, exclusions, and benefit amounts.