How To Prevent Jet Lag

From overcrowded airports and flight cancellations to lost luggage and overweight baggage fees, the hassles of plane travel for any kind of trip can appear endless. The last thing you want to worry about when traveling is being struck with a bout of jet lag after successfully arriving at your destination.

Read on to discover just what jet lag actually is—and how you can prevent it.

What Is Jet Lag?

The Sleep Foundation defines jet lag as a “circadian rhythm sleep-wake disorder that occurs when your 24-hour international clock, known as your circadian rhythm, does not match the local day-night cycle.”

To break down that definition, let’s start with your circadian rhythm. We all have an internal clock known as the circadian rhythm that determines our sleep habits. This internal clock aligns with your geographic location based on when the sun rises and when it sets. It keeps you awake and alert during the day and asleep at night.

Jet lag is the disruption of this internal clock when the sunrise and sunset times are suddenly changed. It impacts how your body produces hormones, which can affect your sleep and other body processes. This may mean you’re wide awake in a new city at five in the morning because your body thinks it’s eight in the morning, as it’s still synched with your original time zone.

What Causes Jet Lag?

People tend to experience jet lag the most when they travel east or west across three or more time zones. Eastbound passengers may be more likely to experience symptoms than those flying west since time tends to be "lost" for those heading east. The more time zones you cross, the more severe your symptoms may be.

Am I Likely To Experience Jet Lag?

According to the Sleep Foundation, not everyone who travels long distance will experience jet lag. There are multiple factors that may influence the likelihood and severity of your jet lag:

  • Trip Details – Specifics like the total distance of travel, the number of layovers, the number of time zones you cross, your direction of travel, the local daylight hours, and your length of stay at a destination can affect the severity of your jet lag.

  • Arrival Time – There is some evidence that suggests jet lag is reduced for those who arrive in the afternoon instead of the early morning.

  • Age – Studies about age and jet lag have found mixed results. Some studies suggest people over 60 have a harder time recovering from jet lag, while research of athletes found jet lag to be worse for younger people.

  • Sleep Before Travel – Poor sleep leading up to a flight can increase a person’s likelihood of experiencing jet lag.

  • Stress – Stress can interfere with sleep and make it harder to cope with jet lag.

  • Alcohol and Caffeine Use – Drinking alcohol and coffee during a flight can affect the brain in ways that can disrupt sleep.

  • History of Jet Lag – People who have experienced jet lag before are likely to have it again.

There are many more factors that scientists are just beginning to discover which can impact a person’s likelihood of experiencing jet lag. The general consensus is that a person often experiences jet lag due to the combination of multiple factors.

DID YOU KNOW? Jet lag is not the same as travel fatigue, according to the Sleep Foundation. Travel fatigue is tiredness and headaches caused by the physical toils of travel. Travel fatigue doesn’t involve your circadian rhythm and will usually pass after a good night’s sleep.

How Might Jet Lag Affect Me?

The most common symptoms of jet lag include:

  • Daytime sleepiness and trouble sleeping at night
  • Trouble with attentiveness or memory
  • Irritability and exacerbation of mental health problems
  • Stomach problems like reduced appetite, nausea, or constipation
  • (In rare cases) increased risk of sleep paralysis or nighttime seizures

How Long Does Jet Lag Last?

According to the Mayo Clinic, symptoms usually occur within one to two days of travel. Jet lag recovery is likely to amount to one day for each time zone crossed. Thankfully, jet lag is just a temporary condition, though it certainly has the potential to disrupt your vacation.

PRO TIP! If symptoms of jet lag become severe, you may need to visit the doctor or go to the hospital. Hospitalization could cost up to hundreds—or even thousands—of dollars. Your standard medical insurance policy may not cover you beyond the borders of your home country. A customizable travel medical insurance plan like Atlas Travel® can provide you with access to quality care and financial compensation if certain unexpected events occur during your international vacation.

adorable-little-girl-traveling-by-an-airplane

7 Tips for Preventing and Minimizing Jet Lag

Fortunately, there are several steps you can take to help prevent, minimize, and remedy any jet lag you may experience throughout your travels. From pre-adjusting your internal clock to staying hydrated on the plane, these are our best tips for avoiding jet lag and exhaustion:

1. Book an Overnight Flight if Available

The sooner you start planning your vacation, the more options you'll have when it comes to flights. If an overnight flight is available, go ahead and book it!

Not only will you be more likely to fall asleep than you would on an afternoon flight, but you'll be able to have dinner at a normal time and you'll likely arrive in the morning or afternoon. For these reasons, your body will have an easier time resetting your internal clock.

2. Pre-Adjust Your Internal Clock

The Mayo Clinic recommends that you gradually (at least a few days before departure) shift your sleeping and eating schedule to coincide with typical sleeping and eating times in your destination city. For those heading east, go to bed one hour earlier each night for the few nights before your departure. For those heading west, go to bed one hour later each night for the few nights before your departure.

3. Cut Back on Caffeine

Avoid the coffee stand nearest your terminal. At least 12 hours before your flight, as well as during, try to abstain from ingesting coffee and caffeine. Though it may provide you with a short period of alertness and stimulation, it's often followed by a drop in blood sugar.

According to StopJetLag.com, this drop essentially "rob[s] your body of available energy reserves." Caffeine can also make you wake up more often once you fall asleep.

4. Sync Your Watch to Your New Time Zone

On the day of your flight, consider moving your watch ahead or behind to sync it with your destination’s time zone. This will help mentally prepare you for a significant time difference.

5. Avoid Alcohol and Drink Plenty of Water Throughout Your Flight

According to the Mayo Clinic, dehydration can contribute to the severity of your jet lag symptoms. Since humidity levels are low in planes, it's important to drink plenty of water throughout your flight in order to combat dehydration. Travel Bank recommends drinking at least 8 ounces of water for every hour you're in the air – even when you don't feel thirsty.

6. Sleep on the Plane

Sleeping on the plane can be beneficial to those flying west to east or overnight. Since travel can take a toll on your body, this rest will prepare you to deal with the symptoms of jet lag that may come later. If flying first class isn't within your budget, opt for a seat in the emergency aisle (more legroom) or a window seat (so you can prop your head against the wall).

Avoid the rear of the plane if possible, since those in the back will get the brunt of any turbulence. Be sure to pack a pillow and blanket and consider bringing noise-canceling headphones, earplugs, and a sleeping mask.

7. Exercise at Your Destination

Find time to walk or do other light physical activity at your destination. According to the Sleep Foundation, exercising outside during the daytime can help “recalibrate your circadian rhythm.”

3 Natural Jet Lag Remedies

There are several inexpensive—or free!—natural remedies for preventing and combating jet lag:

1. Melatonin

Melatonin is a natural hormone (also sold as a supplement) that helps to regulate the body's sleep-wake cycle. According to Health.com, some experts recommend taking melatonin after dark on the first day that you travel—and for a few days thereafter—in an attempt to fight jet lag.

If you are flying east, you may wish to take a melatonin supplement in the evening for the few days before your flight. While melatonin is an over-the-counter supplement, you should still consult your doctor before taking it due to side effects and prescription drug interactions.

2. Lavender Oil

Lavender oil has been proven to promote and enhance sleep as an aromatherapy practice. Sara Altshul, remedies expert at Health.com, says that she overcomes insomnia while away from home by sprinkling a few drops of lavender oil on her pillow, leaving her instantly relaxed.

Not only can lavender oil aromatherapy help you fall asleep quickly, but unlike many over-the-counter sleep enhancers, it can help you awaken feeling refreshed.

3. Sunshine

The Mayo Clinic calls sunlight "the most powerful natural tool for regulating the sleep-wake cycle." If you're traveling eastward, exposure to morning light can help you adjust to your earlier time zone. If you're traveling westward, exposure to evening light can help you adjust to your later time zone. To adapt to your new time zone even faster, try combining light exposure with exercise.

Want More Travel Advice?

Check out the articles below for more tips and tricks regarding travel.

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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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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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