Optional Riders: Visitors Insurance Plans Riders
Optional Riders
Optional Riders

Sometimes visitor insurance riders are purchased in order to receive additional coverage on top of the coverage already provided by insurance policy. They are optional and commonly, known as Optional Riders and comes with additional charges. This blog post explores some of the commonly bought riders.

1. Adventure Sports Rider: Visitors who are planning some adventure sports which may involve participating in hazardous activities usually opt for additional coverage for protection. These include (this is not an all inclusive list):

  • Parachuting
  • Scuba diving
  • Paragliding
  • Skysurfing
  • Kayaking
  • Mountain biking
  • Water rafting
  • Mountain climbing over 4500 mts
  • Snowboarding
  • Cross country skiing

2. Terrorism Rider: Terrorism rider allows for flight cancellation or reimbursement in case of unrest due to terrorist activities. This is usually not allowed in a regular visitor insurance plan. But it should be remembered that the insurance plan has to be bought within certain time period of the terrorist activity. If the act of terrorism occurred before buying the insurance plan or after a travel warning has been issued, this won’t be covered.

3. Accidental Death & Dismemberment Rider: Optional Accidental Death and Dismemberment (AD &D) Benefit Rider is only available to members age 18 through age 69. This can be purchased to get the coverage in case death of the visitor occurs due to some accident during his travel. It also provides for protection against loss of limbs or eyesight. Formal definitions of Accidental Death and Dismemberment should be noted. Accidental death is defined as a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to the insured person and subsequently his death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by Illness or disease. Accidental Dismemberment is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more Limbs or eyes and not contributed to by Illness or disease. For purposes of the AD&D benefit provided by this insurance, the term “Limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

4. Crisis Response Benefit Rider: If the traveler unfortunately gets kidnapped during his international travel, the Crisis Response Benefit Rider will provide the fees and expenses for the following:

  • Ransom;
  • Crisis Response Fees and Expenses
  • Personal Belongings

But it should be noted that any of the above benefits will only be provided if every attempt has been made to notify the Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened.  This kidnapping cannot be as a result of fraudulent, dishonest or criminal act(s) by the insured traveler or his authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine.

5. Personal Liability Benefit Rider: This rider ensures that the insurance company will pay the insured for eligible court-entered judgments or company-approved settlements arising as a result of or in connection with the personal liability of the insured, incurred for acts, omissions and other occurrences covered under this insurance for losses or damages:

  1. Injury to a third person occurring during the duration of insurance policy.
  2. Damage or loss to a third person’s personal property during the duration of insurance policy.
  3. Damage or loss to a related third person’s personal property during the duration of insurance policy.

With respect to covered and eligible personal liability claims, Underwriters will pay the insured for associated reasonable legal fees and out-of-pocket costs incurred by the insured with respect to the determination and/or settlement of such legal liability.

Category: Visitor Insurance

September 09, 2016 at 11:27 PM

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