Personal Accident & Secure Travel

This enhanced Accident Death & Dismemberment (AD&D) policy includes a special Secure Travel rider that kicks in anytime a member travels 100 miles or more from home.

AD&D policies are inexpensive and provide large cash benefits if a person is seriously injured or dies in an accident. Accidents are the 5th leading cause of death in the U.S. and this policy is a great way to protect your family, should the unthinkable happen.

Coverage is available up to $500,000 for the Association member individually, or you may also insure your spouse/domestic partner, and your dependent children up to age 26.

Special benefits include:

  • Up to $25,000 for home alteration & vehicle modification.
  • Up to $10,000 for rehabilitation expenses
  • Up to $37,500 for wearing a seatbelt & having a functioning airbag.

The Secure Travel Rider includes these following benefits:

  • Medical Evacuation
  • Translation Service
  • Legal Assistance
  • Emergency Cash Advance
  • Lost or Stolen Item Assistance
  • Repatriation
  • Prescription Refill Assistance
  • Bail Bond Posting
  • Medical & Dental Referral
  • Emergency Message Relay
  • Pre-Trip Planning
  • 24 Hour Availability

For a complete list coverage and restrictions, please refer to the Certificate of Insurance.

AD&D Benefit

Member Only Monthly Premium

Member & Family Monthly Premium

$100,000

$4.90

$6.60

$200,000

$9.80

$13.20

$300,000

$14.70

$19.80

$400,000

$19.60

$26.40

$500,000

$24.50

$33.00

Spouse / Domestic Partner benefit is 50% of member benefit (40% if child is covered). Child benefit is 10% of member benefit, max $30,000. Age reduction applies: Age 70: 65%; Age 75: 45%; Age 80: 30%