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High-Limit Accident Insurance

Enhanced protection to complement your current coverage while you travel

Our coverage can fill gaps in your existing life, health or disability insurance, and our benefits are payable in addition to any other plan.

Download an Application  

Plan Details

Coverage

24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.

Common Carrier Coverage includes any form of conveyance that is certified as a common carrier of passengers, including air travel.

Air Travel Only Coverage includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special or chartered flight and operated by a properly certified pilot.

Benefit Options

Accidental Death pays the principal sum benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.

Dismemberment includes the loss of use of both hands or feet, or one hand and onefoot, or the loss of sight of both eyes. The principal sum benefit is paid for these losses. One-half the principal sum amount will be paid in the event of the loss of sight of one eye,the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.

Accident Permanent Total Disability will provide benefits if a competent medical authority determines you to be permanently totally disabled as to being able to perform the substantial and material duties of your occupation.

Benefit Schedule

LOSS COVERED AMOUNT PAYABLE
Accidental Death 100% of the Benefit
Dismemberment
Loss of or loss of use of two or more members
Loss of sight of both eyes
Loss of or loss of use of one member
Loss of hearing of both ears
Loss of speech
Loss of sight of one eye
100% of the Benefit
100% of the Benefit
50% of the Benefit
50% of the Benefit
50% of the Benefit
50% of the Benefit
Accident Permanent Total Disability 100% of the Benefit

Special Features

  • Benefits are payable in addition to any other plan.
  • Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident.
  • Benefits will be paid on the basis of presumption of death.
  • Benefits paid in a single lump sum.
  • Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident.
  • War or acts of war and/or terrorism may be covered under this plan by applying for such and paying the additional premium.

Underwriting Requirements

  1. NO medical examinations required.
  2. Application can be sent by fax or email.
  3. Underwriting time is one to four working days.
  4. Benefits may not exceed ten times the annual income unless otherwise justified.
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Download a Brochure and Application

High-Limit Accident Insurance Brochure   High-Limit Accident Insurance Application  

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Underwritten by Lloyd's:
Lloyd's is the oldest and largest insurance organization in the world. Approximately 100 underwriting syndicates are sanctioned to do business at Lloyd's. The certain underwriters that insure this coverage is a consortium of 18 of the sanctioned Underwriting Syndicates. They have entered into a contract with Petersen International Underwriters to serve as their correspondent with the authority to underwrite this coverage and to issue the appropriate Certificate of Insurance.

Accident insurance is available through Travel Insurance Services and its network of agents and brokers throughout the U.S.

Administered by Petersen International Underwriters, Correspondents to Lloyd's.