With this coverage, people may travel with assurance since they are covered financially in the case of an unexpected accident that results in death or dismemberment.

Without AD&D coverage, the policyholder or their beneficiaries would be responsible for covering all associated expenditures, including medical bills, lost wages, and other connected charges. The cost of medical care and repatriation can sometimes be prohibitively expensive, leaving the policyholder or their loved ones unable to cover these costs.