International Travel Documents Checklist

Discover What Travel Documents You Need for Your International Trip

Traveling out of the country? The last thing you want is to get turned away at the airport or an international border because you don’t have the proper documentation to travel abroad. Proper planning can ensure you know what to expect and have everything you need for international travel.

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Travel can represent financial risk. No matter your destination, there’s always a chance you could face an unanticipated cancellation, interruption, mishap, or emergency.

WorldTrips offers travel insurance and travel assistance services to guide you through the unexpected and help ease your stress. We enable travelers to explore the world with confidence.

  • A partner when you need it. Contact us anytime and from anywhere. Our multilingual customer support team is on call 24/7 to answer your questions if an emergency arises.
  • A plan to fit you. Choose from several different types of travel insurance with varying coverage levels and optional upgrades to create personalized coverage for your trip.
  • Proof of coverage. Proof of coverage will be delivered to you immediately upon purchase. Easily access your insurance card and visa letter to prove you have coverage throughout your entire trip.

 

International Travel Documents Checklist

In addition to purchasing flight tickets, making hotel reservations, and filling your suitcase with clothes, you will also need to provide some documentation when preparing for a trip abroad. An international travel documents checklist will help you keep track of everything you need.

Below, you’ll discover tips for creating your own comprehensive travel checklist, documents to consider adding to your checklist (including COVID-19-related documents necessary for travel in 2024), and tips for figuring out what your destination country requires for entry.

How to Create Your International Checklist


You can download our international travel checklist for 2023 that includes a list of the necessary documentation you might need for your trip.

Or you can use our tips and advice to create your own travel checklist template for travel documents on a platform that works best for you.

Here are some methods of creating your own checklist if you choose to go that route:

  • Create a simple list in your notes app. Create a list in a regular notes app on your phone or tablet if you’re someone who wants something simple that is accessible at all times.

  • Create a checklist in a word document or spreadsheet. Some popular spreadsheet applications include Google Sheets and Excel. Get fancy and use colorful fonts or color-coded boxes. You can even convert your checklist to an international travel checklist pdf for sharing with others. Just make sure to download your preferred spreadsheet app to your phone and print off a backup hard copy to take with you on your trip.

  • Use a travel checklist app. TripIt is a popular travel app that creates master itineraries for all your upcoming travel plans, including flights, hotels, activities, and more. It can sync with your calendar and update your trip information as it receives it to keep you organized. The app’s “Traveler Profile” section can store all your important documents beneath a secure 4-digit pin so you have them wherever you go.

When it comes to packing, try a packing checklist app like PackPackPoint, or Packr. These apps allow you to create customizable packing lists and lists of activities to do in your destination.

PRO TIP! A good rule of thumb is to start preparing for an international trip six months in advance to give yourself time to ensure everything is up to date and complete.

Travel Documents for International Travel Checklist

Travel can represent financial risk. No matter your destination, there’s always a chance you could face an unanticipated cancellation, interruption, mishap, or emergency.

WorldTrips offers travel insurance and travel assistance services to guide you through the unexpected and help ease your stress. We enable travelers to explore the world with confidence.

  • A partner when you need it. Contact us anytime and from anywhere. Our multilingual customer support team is on call 24/7 to answer your questions if an emergency arises.
  • A plan to fit you. Choose from several different types of travel insurance with varying coverage levels and optional upgrades to create personalized coverage for your trip.
  • Proof of coverage. Proof of coverage will be delivered to you immediately upon purchase. Easily access your insurance card and visa letter to prove you have coverage throughout your entire trip.

International Travel Documents Checklist

In addition to purchasing flight tickets, making hotel reservations, and filling your suitcase with clothes, you will also need to provide some documentation when preparing for a trip abroad. An international travel documents checklist will help you keep track of everything you need.

Below, you’ll discover tips for creating your own comprehensive travel checklist, documents to consider adding to your checklist (including COVID-19-related documents necessary for travel in 2023), and tips for figuring out what your destination country requires for entry.

How to Create Your International Travel Checklist

You can download our international travel checklist for 2023 that includes a list of the necessary documentation you might need for your trip.

Or you can use our tips and advice to create your own travel checklist template for travel documents on a platform that works best for you.

Here are some methods of creating your own checklist if you choose to go that route:

  • Create a simple list in your notes app. Create a list in a regular notes app on your phone or tablet if you’re someone who wants something simple that is accessible at all times.

  • Create a checklist in a word document or spreadsheet. Some popular spreadsheet applications include Google Sheets and Excel. Get fancy and use colorful fonts or color-coded boxes. You can even convert your checklist to an international travel checklist pdf for sharing with others. Just make sure to download your preferred spreadsheet app to your phone and print off a backup hard copy to take with you on your trip.

  • Use a travel checklist app. TripIt is a popular travel app that creates master itineraries for all your upcoming travel plans, including flights, hotels, activities, and more. It can sync with your calendar and update your trip information as it receives it to keep you organized. The app’s “Traveler Profile” section can store all your important documents beneath a secure 4-digit pin so you have them wherever you go.

When it comes to packing, try a packing checklist app like PackPackPoint, or Packr. These apps allow you to create customizable packing lists and lists of activities to do in your destination.

PRO TIP! A good rule of thumb is to start preparing for an international trip six months in advance to give yourself time to ensure everything is up to date and complete.

Travel Documents for International Travel Checklist

A checklist for your travel documents could mean less stress in the long run. These are some of the documents you might need to include in the “travel documents” section of your international travel checklist:

  • Passport – Some countries require your passport to be valid until at least three or six months after your trip is scheduled to end

  • Visa – Some countries require citizens of certain countries to also obtain a visa in order to enter

  • Birth Certificate or Other Proof of Citizenship – May be required for kids under a certain age; learn what documents children may need to fly

  • Consent Form for Travel with a Minor – If you are traveling alone with a child, you may be required to have custody documents or notarized written consent from your child’s other parent; check with your destination’s embassy prior to travel

  • International Driver’s Permit – If you plan on driving once you arrive at your destination

  • Proof of International Travel Medical Insurance – Required by some countries and visas; also recommended by the U.S. Department of State for those whose regular health insurance is not adequate abroad

  • Return Ticket – May need to provide proof of this before entering a country

  • List of Medication – May need to provide documentation from your physician for medication you’re bringing abroad (also note that some narcotics and over-the-counter medications are illegal in other countries, so check with your destination’s embassy prior to travel)

  • COVID-19 Travel Documents  See the section below for details

 

PRO TIP! Are you creating a travel checklist for international students or a business travel checklist pdf? Your visa may require additional documentation for proof of your school enrollment or employment. Verify these additional items and add them to your checklist.

Documents Needed to Travel to USA

If you’re traveling to the U.S., knowing the documents needed to travel to the USA and its territories is key. Here’s a list of the items you might need: 

For U.S. Citizens Entering by Air (One of the Following):

  • Valid U.S. Passport (children must have their own passports)
  • Trusted Traveler Program Card (NEXUS, SENTRI or FAST)
  • U.S. Military Identification Card (when traveling on official orders)
  • U.S. Merchant Mariner Document (for U.S. citizens on official maritime business)

For U.S. Citizens Entering by Land or Sea (One of the Following):

  • Valid U.S. Passport
  • Valid U.S. Passport Card
  • Enhanced Driver's License (EDL)
  • Trusted Traveler Card (NEXUS, SENTRI, or FAST)
  • U.S. Military Identification Card* (when traveling on official orders)
  • U.S. Merchant Mariner Document (for U.S. citizens on official maritime business)
  • Form I-872 American Indian Card
  • Enhanced Tribal Card (ETC)
  • Birth Certificate or Proof of Citizenship (for U.S. and Canadian citizen children under the age of 16, or under the age of 19 if traveling with a school, religious group, or other youth group)
  • Hospital-Issued Birth Certificate (for a newborn whose actual birth certificate has not yet arrived from the Vital Records Department)

*According to U.S. Customs and Border Protection, military personnel traveling under orders may present a photo ID and orders. Family members must present a passport, with the exception of children 15 and younger arriving by land or sea. 

 

For U.S. Citizens Entering from Closed-Loop Cruises (Cruises That Begin and End at the Same U.S. Port):

  • Birth Certificate and Government-Issued Photo ID


NOTE: 
Your destination country may still require you to present a valid passport. Check with your cruise line to ensure you have the appropriate documents prior to travel. 

 

For Lawful Permanent Residents of the U.S. (One of the Following):

  • Permanent Resident Card (“Green Card,” Form I-551)
  • Reentry Permit (if gone for more than 1 year)
  • Returning Resident Visa (if gone for 2 years or more) 

For Canadian Citizens Entering by Air: (One of the Following):

  • Valid Canada Passport
  • NEXUS Card

For Canadian Citizens Entering by Land or Sea: (One of the Following):

  • Valid Canada Passport
  • Enhanced Driver's License/Enhanced Identification Card
  • NEXUS, FAST/EXPRES
  • SENTRI Enrollment Card 

For Bermudian Citizens:

For Mexican Citizens Entering by Air or Sea (One of the Following):

  • Valid Mexico Passport with Visa
  • Valid Mexico Passport with Border Crossing Card 

For Mexican Citizens Entering by Land:

  • Border Crossing Card

 

For Citizens of All Other Countries:

 

IMPORTANT: There are also current United States travel restrictions and requirements in place in response to the ongoing COVID-19 pandemic. This means there is additional documentation required for international travelers to the U.S. See our “International Travel to the USA” page to review any current U.S. travel bans as well as COVID-related vaccine, testing, and mask requirements to enter the United States at this time.

 

Keep in mind that travel requirements for the U.S. may change in response to health and safety risks around the world, so make sure you check the requirements regularly leading up to your trip.

Documents to Include in Your International Travel Checklist During COVID

With COVID-19 being so prevalent, dedicating part of your international travel checklist to all the documents required for air travel during COVID is key. The factors which determine the requirements for traveling to another country during COVID-19 include the number of COVID-19 cases both inside and outside the country and the government’s response.

Determine whether you need to add these essential travel documents COVID-19 has made necessary:

  • Negative COVID-19 Test Results – Some countries require you to provide your airline with proof of a negative test prior to boarding. Make sure you verify which types of COVID-19 tests are accepted, and keep in mind that many countries require the test to be taken within 1-3 days prior to travel.

    For example, as of December 6th, 2021, all inbound international air travelers to the U.S. who are two years or older must provide their airline with proof of a negative viral antigen or NAAT test taken within one day of their departure to the United States—regardless of vaccination status or citizenship.
  • Vaccine Card or Proof of Vaccinations – Many countries require proof of vaccination to enter. If vaccination isn’t required for entry, it may be required for indoor dining, museums, or other activities within the country.

    For example, as of November 8th, 2021, all foreign national air travelers (non-immigrants and non-citizens) must provide proof that they are fully vaccinated prior to boarding an airplane to fly to the U.S.

    And in France, foreign visitors must apply for and obtain a Pass Sanitaire to enter many public spaces, such as restaurants and museums.
  • Health Report – You may need to fill out a health report in addition to proof of vaccination and/or a negative COVID-19 test. These reports can usually be completed online. You should be prepared to provide a current health report from your physician to further validate you are in good health before entering a foreign country.


Note that many regular health insurance plans offer little to no coverage outside of your home country, so you may want to consider travel health insurance for unexpected medical expenses regardless of requirements.

PRO TIP! Ensure you know your destination’s rules regarding masks, social distancing, and quarantining upon arrival. Remember to pack washable and/or disposable masks to meet mask requirements in the airport, on the plane, and within your destination. You can also use this international travel packing list PDF from Smarter Travel to help you pack.

What About International Travel Restrictions?

young-tourist-woman-and-sea-landscape-with-terracina--lazio--italy

It’s important to note that travel restrictions are different from travel requirements. Requirements are steps you must follow and documentation you must provide to gain entry to a country. Restrictions dictate whether you can come into the country at all.

International travel restrictions are frequently high in response to COVID-19. When figuring out your international travel plans, researching travel restrictions by country is always recommended. You may want to create a timeline of your trip and monitor restrictions on a weekly basis if needed since coronavirus travel restrictions can change quickly.

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Cherry blossom season is in April and is a must-see event on many first-time traveler’s bucket lists. Accommodations may be more expensive, but cherry blossom season gives visitors to Japan an authentic glimpse into Japanese tradition and culture. May-August is the best time to visit Japan if you’re traveling on a budget. Temperatures rise in the summer, but hotel prices drop. The natural beauty of the many forests and gardens truly comes to life in the summer months. Be wary of typhoon season, however, if you plan to visit Okinawa during the summer. The island of Hokkaido is a great destination for winter travelers to Japan. The mountains of Hokkaido enjoy robust amounts of snowfall, attracting local and foreign tourists alike to its mountain resorts and traditional onsen (Japanese hot springs). Choosing Where To Travel in Japan Japan is divided into four main islands: Hokkaido Honshu (further divided into Tohoku, Kanto, Chubu, Kinki/Kansai, and Chugoku) Shikoku Kyushu (which includes Okinawa) Hokkaido Hokkaido is the second-largest and northernmost of Japan’s four main islands. It is popular for its winter temperatures and a plethora of snow resorts. The largest city on the island of Hokkaido is Sapporo. Honshu The largest island in Japan, Honshu is home to five regions: Tohoku – Located in the northern area of Honshu, Tohoku is known for its beautiful countryside, mountains, lakes, and onsen (hot springs). Tohoku was hit by the 2011 earthquake, tsunami, and subsequent Fukushima nuclear accident, but the area has mostly recovered. Sendai is the largest city in the Tohoku region. Kanto – Translated literally to “east of the border,” Kanto is perhaps most famous for being home to the cities of Tokyo and Yokohama. Chubu – Chubu is best known as the home of Mt. Fuji. This Japanese region borders the Pacific Ocean and the Sea of Japan and houses popular destinations like Nagoya and Niigata. Kansai – The political and cultural center of Japan for centuries, the Kansai region includes the major cities and tourist destinations of Kyoto, Osaka, Nara, and Kobe. Chugoku – Chugoku makes up the western part of Honshu and is commonly subdivided into the urban/industrial area of Sanyo and the rural area of Sanin. You’ll find Hiroshima and Miyajima in the Chugoku region. Shikoku Shikoku, which translates to “four countries,” is Japan’s fourth-largest island. It is divided into four prefectures: Ehime, Kagawa, Kōchi, and Tokushima. Unlike the other three main islands of Japan, Shikoku has no volcanoes. Kyushu Kyushu is Japan’s third-largest island. Kyushu was an early center of Japanese civilization and offers visitors natural beauty and many historical treasures. Kyushu is home to several onsen, the city of Nagasaki, and the islands of Okinawa. How To Get to Japan Japan has four major international airports: Narita Airport – Located in Tokyo Haneda Airport – Located in Tokyo Kansai Airport – Located in Osaka Central Japan Airport – Located in Nagoya Direct flights are available to Tokyo from major west coast American cities like Seattle, San Francisco, Los Angeles, and Honolulu. Flights with one stop (often in Hong Kong, China) also connect the U.S. with important Japanese cities, such as Osaka, Fukuoka, Nagoya, and Sapporo. Many European and Asian destinations also offer direct flights to Japan. For example, travelers from the U.K. can get a direct flight on British Airways from London Heathrow to Narita Airport in Tokyo. Where To Stay in Japan Luxury, budget, and tradition-seeking travelers alike can find accommodation in Japan that meets their needs. Finding the right place to stay will depend on your wishes and expectations. Those looking for immersive experiences should look at Airbnb lodgings and ryokan (traditional Japanese guesthouses). If comfort is most important, find solace at a luxury hotel. And for budget travelers, there are tons of hostels available. Take a peek at some of the top-ranked accommodations throughout Japan: Top Accommodations in Tokyo: Luxury – Hotel Ryumeikan Ochanomizu Honten This hotel has a 5-star rating based on 114 reviews on TripAdvisor. Founded in 1899, this hotel embodies Japanese tranquility with its simplistic décor. Walk a couple of blocks north to see the Kanda River or access the Ochanomizu train station. Budget – Tokyo Hotel Horidome Villa At $66 USD per night – and with a 4-star rating on TripAdvisor – this Tokyo hotel is a steal. Located in the trendy area of Ginza, this downtown hotel allows guests to experience the vitality of Japanese nightlife. Traditional-Style – Ito Ryokan Experience Japanese tradition and stay close to main tourist attractions like the Imperial Palace in this traditional Japanese inn. Planning to visit Tokyo? Explore our Tokyo City Guide. Top Accommodations in Sapporo: Luxury – Jozankei Tsuruga Resort Spa Mori no Uta This luxury hotel outside Sapporo is a true spa lover's dream. Discover traditional Japanese onsen and various spa treatments in this mountainous resort. Budget – Mercure Hotel Sapporo Get easy access to the many ski resorts in Sapporo at this mid-range hotel. Each room comes equipped with complimentary internet access – a steal for $100 USD/night. Traditional-Style – Suizantei Club Jozankei A bit on the pricier side, this traditional ryokan offers guests a luxury Japanese experience in the mountains of Hokkaido. Take a dip in the hotel onsen or enjoy the culinary delicacies included in your accommodation package. No wonder it has a 4.5-star rating on TripAdvisor! Visiting Sapporo? Explore our Sapporo City Guide. Top Accommodations in Kyoto: Luxury – Hotel Mume First-class service and beautiful rooms earned this luxury hotel 825 reviews and a 5-star rating on TripAdvisor. Hotel Mume also has a prime location close to several shrines and temples in Kyoto. Budget – Toyoko Inn Kyoto Gojo-Karasuma Only a three-minute walk from Gojo Station and the Karasuma subway line, this budget hotel offers easy access to downtown Kyoto. Rooms may be small at this chain hotel, but they’re packed with features ideal for budget travelers, including breakfast and free nationwide phone calls. Traditional-Style – Tawaraya Recognized as one of the best ryokan in all of Japan, this traditional inn located in downtown Kyoto understands the importance of details. Rooms are sparsely decorated in true Japanese fashion, each one has a private garden attached, and the staff is incredibly knowledgeable. Transportation Within Japan Japan is home to an impressive network of roads, railroad tracks, ferries, and air routes connecting the entire territory. To get between islands, you’ll most likely have to take a short flight or ferry. In-country flights are both readily available and frequent between the nation’s main cities. Key hubs include: Narita International Airport (NRT, Tokyo) Haneda Airport (HND, Tokyo) Kansai International Airport (KIX, Osaka) Chubu International Airport (NGO, Nagoya) Fukuoka Airport (FUK, Fukuoka) Japan is heralded for its extensive rail network. Purchase a Japan Rail Pass for easy travel throughout any of the four main islands. Its ease of use and availability are well worth the cost. What To See and Do in Japan Japan is a land of attractions – the country has endless amounts of historical sites, acres of pristine forests, and a variety of vibrant cities to explore. Here are some of the top tourist sites in Japan: Top Tourist Sites in Tokyo Imperial Palace: The main residence of the Emperor of Japan is located in central Tokyo, a short walk away from the city’s Central Station. Buildings are not open to the public, but the gardens make the visit a true delight. Tsukiji Outer Market: This large seafood and produce market has hundreds of colorful stalls and restaurants. It is closed on Wednesdays and Sundays. Tsukishima: This is a man-made island in Tokyo Bay. Travelers from all over the world come here searching for tsukudani - a kind of preserved topping that is served with rice - and monjayaki, a pancake-like dish that is popular in Japan. Shibuya: This popular entertainment area is packed with flashy neon signs, restaurants, and shops. It’s easily accessible through Shibuya Station. Meiji Jingu Shrine: Dedicated to Emperor Meiji and Empress Shōken, the Meiji Shrine sits in a 170-acre forest area in Shibuya. It is one of Tokyo’s most visited attractions. The shrine is in close proximity to Harajuku, Tokyo’s hotspot for youth and cosplay. Top Tourist Sites in Kyoto Imperial Palace: This palace is the former residence of Japan’s Imperial family. Visitors can freely enter the palace grounds, but buildings are off-limits. Railway Museum: Japan is a railway powerhouse, and this museum concentrates its history like no other. It’s well worth the ¥1,200 JPY ($7.57 USD in August 2024) price tag. Top Tourist Sites in Osaka Osaka Castle: One of the most iconic buildings in Japan, Osaka Castle is a towering structure evocative of a different era in Japanese history. Nijo Castle: Recognized as one of the surviving buildings of Japan’s feudal era, Nijo Castle features a number of perfectly conserved buildings and beautiful gardens. Visiting the castle is an immersive experience in to Japan’s history and a must-see for anyone visiting Osaka. Discover more things to see and do in Osaka with our Osaka City Guide! Top Tourist Sites in Hiroshima Hiroshima Peace Memorial Museum and Park: The park’s Atomic Bomb Dome was the only structure left standing following the atomic bombing in 1945. For many visitors to Japan, the museum and its grounds are powerful places for reflection. Miyajima Island: This island is home to the Itsukushima shrine, also referred to as the “floating shrine.” One of the largest torii (traditional Japanese gate) in Japan, the Itsukushima shrine is a relic of Shinto-era Japan. Read our Japan 14-day itinerary for even more help planning your first trip to Japan. Japanese Cuisine Japanese cuisine mainly consists of white rice, fish or beef, and vegetables often pickled or served in broth. Common dishes and preparations are sushi, udon noodles, miso soup, tempura, and grilled fish. In addition to traditional cuisine, Japan offers innovation and diversity in fast food, coffee, and craft beer. Western food is available, but usually at a higher price. Where To Eat in Japan You can find food in a variety of places in Japan. Of course, restaurants are popular – and world-class in Japan – but the nation is also known for the high-quality food available in convenience stores and vending machines. Sushi, ramen, and fast food options at small restaurants and street stalls start at $8 - $10 USD per serving, whereas nicer dinners are a bit pricier, starting at $20 - $25 USD. Read through Eater’s list of essential Tokyo restaurants for a full guide to popular restaurants in Tokyo. First-time visitors to supermarkets in Japan will notice it is much cheaper to purchase food at the market than to eat elsewhere, making Japan’s markets a great dining option for budget travelers. Fast food is also a great option for an inexpensive meal and an authentic culinary experience. In fact, fast food is other-worldly for any first-time visitor to Japan. The nation puts its own spin on typical fast-food chains like McDonald’s and Burger King, adding the Japanese flavor profile to American dishes. For example, McDonald’s Japanese menu heavily features shrimp, and classics like the Big Mac are elevated with the addition of bacon and egg. Burger King takes the sweet and savory approach, adding flame-grilled apple slices to the traditional Whopper Jr. Know Before You Go: Japanese History, Culture, and Traditions A large part of Japan’s cultural identity today is based on its history. On your first trip to Japan, you’ll find remnants and symbols of this country’s past in most of its historical sites. Japan’s history can be traced back to the year 660 BCE. During the course of the following centuries, the nation experienced periods of feudalism, expansionism, and war, each leaving its mark on the burgeoning country. Unification is a hallmark of Japanese society. During the Meiji Restoration in 1868, the government attempted to create a strong, centralized state with a singular national identity. Over the years, the cherry blossom, Japanese flag/rising sun, and Chrysanthemum flower have become powerful representations of Japanese identity. Following the bombings of Hiroshima and Nagasaki in 1945, Japanese culture changed. Economic growth and social stability became national priorities, resulting in a modernized society where ordinary people can experience middle-class urban lifestyles. In the 1980s Japan experienced unprecedented prosperity, catapulting it to superpower status. In modern-day Japanese culture, local and regional identity is celebrated. Almost every town or city is famous for something, like a specific craft, culinary specialty, or song. Discover More Japan Travel Content from WorldTrips Travel Health Insurance for Japan Japan Travel Visa: What You Need to Know Traveling Japan Alone How to Cheaply Travel Japan Explore Japan City Guides from WorldTrips Fukuoka City Guide Nagoya City Guide Osaka City Guide Sapporo City Guide Tokyo City Guide Yokohama City Guide KHE2FFFYH6SP-971744701-1283 WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.
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What Is the Accidental Death Benefit in Travel Health Insurance?
An Accidental Death and Dismemberment (AD&D) benefit in travel health insurance is exactly what its name suggests: a benefit that provides coverage in case of your accidental death or dismemberment while traveling abroad. But what situations qualify for coverage? What scenarios are excluded? Read on to discover exactly what an AD&D benefit covers and why you may need one. What Is AD&D in Travel Health Insurance? The Accidental Death and Dismemberment (AD&D) benefit in travel health insurance pays money to you or your beneficiary if you die, lose your sight, or lose a limb due to an accident while traveling abroad. There are stipulations, of course. We’ll get into those details below. What Does AD&D Cover? AD&D insurance provides reimbursement in situations where a covered accident causes your immediate death or dismemberment, or where an accident causes a covered injury that later results in your death or dismemberment. Examples of situations where your AD&D benefit could cover you include a car accident, boating accident, or injury from a fall. Most AD&D Benefits Pay: The full amount outlined in your policy documents to your beneficiary if a covered accident or injury causes your death A portion of the full amount (often half) to you if you are dismembered in a covered accident that causes you to lose one limb or sight in one eye The full amount to you if you are dismembered in a covered accident that causes you to lose two or more limbs or sight in both eyes Your Beneficiary Will Only Be Eligible to Receive Your Accidental Death Benefit If the Following Is True: You die within a certain number of days of the initial accident that causes your deadly injuries (typically 30 days) Illness or disease do not contribute to your death The accident that causes your death doesn’t happen while you’re a paying passenger on a commercial airline or cruise line (Common Carrier Accident is typically a separate benefit – more on that later) The accident that causes your death is not the result of a situation or condition specifically listed in your policy exclusions Many travel health insurance policies, such as the Atlas Travel® plan from WorldTrips include an Accidental Death and Dismemberment (AD&D) benefit. You can find the benefit and its coverage limits on the policy documents for any policy you’re considering. You may also find it on the main webpage for the policy. What Are Policy Documents? The policy documents provide the full benefits and exclusions of an insurance plan and explain its claims process. You can typically find a link to these documents on the main webpage for the policy or on the quote form where you provide your trip information and learn how much your policy would cost. (Note that you will receive these documents along with your other fulfillment documents after you purchase a policy as well.) See a sample Description of Coverage for our Atlas Travel insurance policy. Important Definitions You Should Know Accidental Death: This generally refers to a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in your death. Remember: Death must occur within a certain number of days following your injury. (For Atlas Travel, this period is 30 days.) Illness or disease may not contribute to your death. Accidental Dismemberment: This typically means a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in either: Complete severance of one or more of your limbs OR Complete and irreversible loss of sight in one or both of your eyes Loss of Limb: This refers to either: Complete severance of your arm from your body at or above your wrist OR Complete severance of your leg from your body at or above your ankle Loss of Eye: This refers to complete and permanent loss of sight. PRO TIP: Consult the DOC for any policy you’re considering to see its specific and complete benefits. What Is Excluded From Travel Health Insurance AD&D? To Recap: You will only be eligible for the AD&D benefit if your death or dismemberment (or the injury that causes your death or dismemberment) results directly from external and visible means. You are not eligible if illness or disease contributes to your death or dismemberment. Let’s Clarify This With an Example: Say you suffer an epileptic seizure while driving a rental car abroad. The seizure causes you to crash the car, resulting in severe internal and external injuries. Ten days later, you succumb to your injuries in the hospital. In this scenario, you would not be covered by your accidental death and dismemberment insurance, despite dying as a result of your car crash injuries. Why? Because your epilepsy caused you to crash. Epilepsy is a seizure disorder, and health disorders count as an illness. An illness is any sickness, disorder, pathology, abnormality, ailment, disease, or any other medical, physical, or health condition. Examples of Situations Where Your AD&D Benefit Would NOT Cover You There are certain *situations and conditions that could result in your accidental death or dismemberment which would not be covered under your AD&D benefit. Examples of such situations include: Infection (except through a wound caused by an accident) Intoxication (as defined by local laws where the accident occurred) Mental health disorder Participation in a riot Pregnancy Suicide or self-inflicted injury Terrorism Voluntary drug use (except for drugs prescribed by a physician) War *Benefits and exclusions vary from policy to policy, so read all of your policy documents. Review the AD&D section thoroughly and make sure you understand all of the policy’s exclusions. PRO TIP! If you have questions about the policy considering, contact the insurance company directly. They can help you understand the policy's exclusions and verify its benefits. Do I Need Accidental Death and Dismemberment Coverage? We know it’s uncomfortable to think about what would happen if you were to become seriously injured or even pass away during a trip abroad. But it’s important that you take a second to consider the potential consequences of traveling abroad while uninsured. Who would pay for the resulting expenses in the case of your accidental death? Would you be able to afford the medical expenses resulting from your dismemberment or loss of sight? We believe that all travelers should expect the best but prepare for the worst. That’s why our Atlas Travel insurance policy includes up to $25,000 for a covered death or loss of 2 limbs and up to $12,500 for the covered loss of one limb (for ages 18 through 69). Atlas Travel offers AD&D coverage to individuals under age 18 and those over age 69 as well. You can see those benefit limits here. Does the AD&D Benefit in Travel Health Insurance Cover Repatriation? The Accidental Death and Dismemberment benefit included in most travel health insurance policies does not cover the cost of returning your body or ashes to your home country for proper burial or cremation. Instead, you’ll want a policy that also includes a separate benefit called Repatriation of Remains. The Repatriation of Remains benefit pays to transport your body by plane or ground transportation to your home country if your insurance covers the injury or illness that caused your death. This benefit also covers the cost of preparing your body for transport. Repatriation can cost several thousand dollars, and your family may already have to prepare and pay for funeral arrangements in their time of grief. Your travel health insurance company can coordinate travel arrangements for your covered repatriation, as well as pay all eligible expenses, which may be of support to your family as they grieve. Here’s a true customer story of Atlas Travel’s Repatriation of Remains benefit in action: Real-Life Example: Repatriation of Remains After a Tragic Accident in Thailand Thailand -> United Kingdom = $5,323 A 21-year-old British citizen teaching in Thailand was struck by traffic and died later that day. WorldTrips worked with his parents, the local hospital, and government officials to arrange for the care, preparation, and return of his remains to his home country. The traveler’s Atlas Travel policy paid $5,323 to cover the cost of bringing his body home to his family so they could have a burial for their loved one. Review the policy documents for any plan you’re considering to see if it includes AD&D coverage and a Repatriation of Remains benefit before you purchase. Does Travel Health Insurance Include Flight Accident AD&D? Many travel health insurance policies, like Atlas Travel, include accidental death flight insurance, or flight accident AD&D, in the form of a benefit called Common Carrier Accidental Death. What Does Common Carrier Accidental Death Mean? Similar to the AD&D benefit, Common Carrier Accidental Death covers international travelers who experience an unintentional and unexpected accident or injury that causes their death. Death must occur within a certain number of days following the accident or injury and previous injuries or illnesses may not contribute to it. Unlike AD&D, Common Carrier Accidental Death covers passengers who are aboard a commercial airline or cruise line. PRO TIP: When comparing travel health insurance policies, look to see if the policies you’re considering offer both AD&D coverage and Common Carrier Accidental Death coverage. Get Coverage for You and Your Loved Ones After a Covered Worse-Case Scenario It’s hard to think about how you or your family members would cope if you were to face an unexpected worst-case scenario while traveling abroad. Travel health insurance can’t protect you against accidents, but it can help protect you and your loved ones against some of the expenses that could result from your covered, accidental death or dismemberment during your trip. That’s why our Atlas Travel health insurance plan includes important benefits like: Accidental Death & Dismemberment – Up to $25,000 to your beneficiary in case of your accidental death or dismemberment (ages 18 – 69) Repatriation of Remains or Local Burial/Cremation – Up to your policy’s overall maximum limit for the cost of returning your body to your home country OR up to $5,000 toward the cost of burying or cremating your body in the country of your death (ages 18 – 69) Common Carrier Accidental Death – Up to $50,000 to your beneficiary if you die as the result of an accident while onboard a commercial airline or cruise line (ages 18 – 69) Travel health insurance can be easy to purchase and budget friendly. Atlas Travel policies start at $0.50* per day for travel outside the U.S. or $0.96 per day for travel including the U.S. *Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling outside the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). **Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling to the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). Your plan cost will vary depending on: the level of coverage you choose the deductible you choose your age your destination your trip length In addition to choosing your overall coverage limit and deductible, you can select from several add-ons during the checkout process to further customize your policy to your needs and budget. Pro Tip! Start an Atlas Travel quote to see what the price would be for your trip. Atlas Travel’s Accidental Death & Dismemberment Benefit Atlas Travel pays eligible AD&D expenses according to your age group. For each age group, the benefit limit specifies: the amount it will pay out for a covered death or loss of two eyes or limbs the amount it will pay out for the covered loss of one eye or limb The benefit also includes a lifetime maximum amount. This is the maximum amount Atlas Travel will pay toward your covered accidental death or dismemberment expenses during your lifetime. Accidental Death & Dismemberment Excludes expenses resulting from Common Carrier Accident Age Group Benefit Limit 14 Days — 17 Years Old Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb Lifetime Maximum: $5,000 18 — 69 Years Old Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 Lifetime Maximum: $25,000 70 — 74 Years Old Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250 Lifetime Maximum - $12,5000 75 Years Old or Older Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125 Lifetime Maximum - $6,250 $250,000 maximum benefit for any one family or group. This benefit is not subject to the policy’s deductible or overall maximum limit. KHE2FFFYH6SP-971744701-1284 WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.
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