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Travel life insurance is also known as international life insurance and comes in 2 forms:

1. AD – Accident
2. AD&D – Accidental Death and Dismemberment

Life insurance is one of the most important ways that you can protect your family in terms of their financial well being should you either die unexpectedly (prematurely) or end up permanently disabled.

The life insurance plan is going to pay you upon your disability or the life insurance beneficiary a monetary benefit should you lose your life or a disability where you require permanent care. Nobody likes to think about death or disability but it’s something that one needs to look at and think about should something happen and make sure that your family is cared for financially.

When it comes to life insurance there are many websites that can source you to very good agents if you don’t already have a travel insurance option with your current insurance carrier. You’ll want to look for an agent with a life and health license and one that specifically deals with travel life.

One website example is the following:

http://www.worldtravelcenter.com/eng/information/cm_category_products.cfm?sCategory=adnd

When it comes to travel insurance there are some specific questions that come up time and time again, we’ll address some of those now.

What countries will likely be considered high risk?

Afghanistan, Egypt, Iraq, Chechnya, Iran, Israel – Both the West Bank and Gaza Strip, Ivory Coast, Indonesia, North Korea, Jordan, Lebanon, Kuwait, Oman, Philippines, Macedonia, Pakistan, Saudi Arabia, Sri Lanka, Qatar, Somalia, Syria, Turkey, Sudan, Uzbekistan, Yemen, United Arab Emirates, Venezuela.

These countries are likely to be either excluded or you’ll e paying a much higher premium should you be travelling to one or more of these countries as the risk goes up.

Are terrorist acts covered by an AD&D policy?

Simple answer, yes.

Terrorism, therefore a terrorist act, is defined as an act of violence but not an act of a declared or undeclared war, which ends up resulting in the loss of life by any person that is acting either on behalf or in juxtaposition with any organization which is recognized with having intent to either overthrow and/or influence control of any government(s).

An act of war can be covered through a high limit accident insurance plan.

What is the difference of life insurance and an AD&D plan?

Life insurance is a contract of a life insurance company and an individual that will guarantee a payment amount to a beneficiary should the insured die within the terms of the policy.

AD&D insurance will payout when an accident either results in your death, loss of a body part or of your eyesight.