What if a visitor meets an accident during travel and it results in death or severe injuries to eyes or limbs? Visitor insurance provides coverage for death and permanent loss of sight and limbs. Visitor’s death and accidental dismemberment is covered by AD&D coverage within visitor insurance. Accidental Dismemberment means 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.