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Flight Accident Insurance, Best Flight Life Insurance

Flight insurance offers peace of mind and a sense of security. We offer the most reliable and affordable flight insurance for flight accidents, flight cancellations, flight life insurance, and more. Visitor Guard® provides the most trustworthy flight accident insurance plans for travelers.

There’s no telling what can happen after the wheels leave the ground. Of course, the chances are slim to none that something will happen. But with the extensive coverage offered by flight travel insurance plans, you can be stripped of all worry–whether of being injured or losing your bags.  

These plans go beyond trip delays and lost luggage. Flight insurance as part of  visitor Insurance in the USA is commonly purchased to protect against loss of life, sight, or limbs from an accident or injury that occurs during a flight. Many flight insurance plans also provide additional trip-related benefits such as: 

  • Trip Delay 
  • AD&D 
  • Baggage & Personal Effects 
  • Baggage Delay (12 hours) 
  • Emergency Medical & Dental Expense 
  • Emergency Medical Evacuation/Repatriation
Flight Insurance

Flight Insurance Plans with Accident, Death, Medical Benefits

Is stroke considered a pre existing condition for visitors travel medical insurance

Flight Guard Insurance

Non-US citizens, up to 79 yrs old, traveling to the US & worldwide from their home country
  • This plan is underwritten by National Union Fire Insurance Company of Pittsburgh, Pennsylvania
  • Accidental Death and Dismemberment Insurance
  • Five levels of coverage: $100K, $200K, $300K, $400K and $500K
  • May not be available in all states
  • Brochure


1. Flight Guard Insurance (Flight Accident Death Benefits Only)

This flight insurance plan offers accidental death coverage for you and your family during your travel on a commercial airline. This covers the worst-case scenario with the listed beneficiaries of the deceased being taken care of with the insured amount.

Flight Guard Insurance covers the insured for injuries that occur while boarding, alighting from, or traveling as a rider on a regularly scheduled airline or charter that is operated by a certified pilot. There is a choice of maximum coverage ranging from $100,000 to $500,000 for accidental death. The plan has a fifteen-day review period and is available only to U.S. residents. 

Flight Guard does not typically exclude losses that occur as a result of a pre-existing condition. Specifics about the pre-existing condition exclusion and claim settlement time period varies by state, so it is best to check the State-specific brochure for details 

Is stroke considered a pre existing condition for visitors travel medical insurance

Flight Guard Med & Evac Individual Insurance

Annual or Per trip Plan
  • Medical Expense
  • Emergency Evacuation & Repatriation of Remains
  • Accidental Death & Dismemberment
  • Optional Adventure Sports Coverage
  • Security Evacuation
  • Brochure

2. Travel Guard Med & Evac  Indiv (Flight Accident Death & Medical Expense Benefit Plan)

This plan covers not just the death during air travel but also the medical expenses incurred during the travel. For instance, it enables you to get insured for treatment of illness during travel. In addition, it also covers emergency evacuation expenses. There is a fifteen-day review period, with the plan available only to U.S. residents. It covers single trips of up to 365 days and offers insurance coverage for accidental death & dismemberment as well as emergency medical evacuation. In case the insured person is hospitalized during the trip, the plan will cover medical transport arrangements costs.

In addition, one can customize this plan as per individual requirements. It can include adventure sports coverage (for injury during participation in a sports event) and baggage protection (for lost baggage or baggage delays). However, the plan benefits are available only when purchased before the departure date.



Is stroke considered a pre existing condition for visitors travel medical insurance

Flight Insure Plus

(Flight Accident Death & Medical Expense Benefit Plan)
  • Coverage Level Options: $300,000/$500,000/$1m
  • $10,000 for 24 Hour Accidental Death & Dismemberment
  • Coverage for Baggage Delay, theft, damage or destruction of your Baggage
  • Accident and Sickness Medical Expenses
  • Emergency Medical Evacuation
  • Brochure

3. Flight Insure Plus (Flight Accident Death & Medical Expense Benefit Plan) 

Flight Insure Plus works for coverage of one particular trip. Such insurance covers several circumstances including flight cancellation, medical expenses, and even emergency evacuation. These are  specifically designed to cover a single trip like a holiday or a family visit. Such trips are planned far in advance and obtaining flight insurance after buying your plane tickets is the safest way to go. The plan offers coverage of various benefits that are as follows: 

  • AD&D Common Carrier only- Coverage ranging between $ 300000, 500000&$1 million 
  • Trip Delay and Baggage Delay-Coverage is $100 and $500 respectively 
  • Emergency Medical expenses-coverage is $10000 
  • Dental expense-coverage is $500 
  • Emergency evacuation-coverage is $100000
Flight Accident Insurance


Is flight insurance worth it?

If you are still in doubt about whether to get insurance coverage for your flight or not, think twice if: 

  • You are a frequent traveler
  • You are going to be traveling abroad and your health insurance doesn’t cover emergencies outside of your country  
  • A large portion of an upcoming trip is non-refundable (e.g., you’re buying a pricey vacation package)
  • You have booked a trip during a bad weather season. 

Other Flight Insurance Plans

Similarly, there is an annual trip or travel insurance that is designed to cover people who make multiple trips annually. It is also suitable for people who go on frequent trips or take more than a few vacations every year. 

For medical expenses, the plan offers a secondary coverage of $50000 and for dental expenses, the coverage is $500. For Accident Death, the plan offers maximum coverage of $25000 while for emergency medical evacuation; the coverage is unlimited but secondary i.e. it is available only after exhaustion of the primary policy limit. As far as pre-existing conditions are concerned, the lookback period is 90 days.

Long stay travel health Insurance is also somewhat similar. This type of insurance covers trips that are longer with a duration ranging anywhere from 3 to 18 months. In such cases, the traveler does not arrange a return date because of the prolonged stay. Some people worry that this will make it hard for them to keep the insurance when they do buy their return ticket, but ticket purchases do not affect the policy.

Flight Insurance Plans

Travel Insurance in Case of Lost Passport, Luggage, and Personal Effects

Flight Travel Insurance covers the following: 

  • Theft, loss, or damage of belongings
  • Theft of money up to a specified limit, when accompanied by a police report as proof of loss. 
  • Specific coverage for reimbursements of expenses incurred due to baggage delay
  • Loss of travel documents like passports or credit cards 
  • In the case a passport is lost or stolen before departure, the trip cancellation benefits will entitle you to a reimbursement of prepaid and non-refundable trip expenses (if passport replacement is not completed before the trip). 
  • Reimbursement of fees for passport replacement is covered only up to $50 to $100.
flight cancelation insurance

Provisions for Flight Cancellation

Cancellation coverage is included in almost all flight insurance policies. Valid cancellation may be due to the death or hospitalization of a non-traveling family member, business partner, weather events, or a legal obligation like being called as a witness in the court. But it must be noted that cancellation due to any of the following is specifically excluded: 

  • If you change your mind and don’t travel 
  • If you miss your flight 
  • If you are refused a visa 
  • If you travel against your doctor’s medical advise 
  • You have under-booked your trip 
  • Your documentation is inadequate 

Steps to Buying Flight Insurance

Firstly, you should decide whether you need insurance for just the flight or for the entire trip. After figuring this out, you can look into the procedure of purchasing insurance from one of the major players in the space.


Administrators primarily design the plan, benefits, premium, and exclusions and include the following organizations namely: 

  • Stonebridge Casualty Insurance Company 
  • HTH Worldwide 
  • Mercury Claims Administrator Services LLC


Underwriters are the insurance companies that pay the claims. It is important to know the A.M.Best rating of these companies as this speaks to the financial health of the company. Some of the companies underwriting flight insurance plans include: 

  • Nationwide Mutual Insurance Company 
  • National Union Fire Insurance Company of Pittsburgh 
  • UNICARE Life & Health Insurance Company 
  • Lloyd of London 
  • Sirius International Insurance Company 
  • HM Life Insurance Company 

Secondly, you should decide whether you want to buy from an airline or cruise carrier directly or through an independent travel insurance agency and arrange payment through either credit card or by cheque. 

The third step is filling out an application form for getting insured. The information asked in an online application form generally contains the following: 

  • Name & Age of Dependents
  • Dependent Age
  • Coverage Type: Flight Accident Death & Medical Expense Benefits/Flight Accident Death Benefit Only 
  • Country of Citizenship 
  • Destination Coverage 
  • Coverage Period: Single trip/ Multiple Trip per year 
  • Permanent Home address 

After filling out the said form, you will get an email of the policy displayed online before your departure. You can also request a copy of your flight insurance policy from the company. 

In order to settle your claim with the insurance company, later on, you need to first register a claim with the company or you can call the toll-free number for assistance

Flight Insurance FAQ

Irrespective of the plans purchased for travel insurance, the following are not generally covered: Losses due to war (declared or not), military actions, civil disorder, and riots.

  • Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion.
  • Losses due to mental, psychological, or nervous disorders
  • Losses due to nuclear radiation or radioactive contamination.
  • Losses incurred while the insured is participating in an unlawful act.
  • Losses due to the insured intentionally causing bodily harm, including suicide.
  • Losses incurred while the insured is legally drunk or under the influence of drugs.
  • Losses incurred while partaking in extreme, high-risk sports
  • Losses or damage to pets or other animals.
  • Losses of artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers, or other orthodontic devices, hearing aids, and type of eyeglasses, sunglasses or contact lenses.

While some travel insurance companies exclude pre-existing conditions, there are a few trip insurance plans who also provide coverage for pre-existing conditions if the plan is bought soon after booking the flight tickets. make sure to check pre-ex coverage before deciding when to buy the flight insurance policy.

Do note that flight insurance is often referred to as flight accident insurance (which insures accidents while on the flight). Trip Cancelation insurance is a form of travel insurance that offers financial protection against losses that are related to the entire trip that includes coverage for medical expenses.

There are many popular Trip insurance plans in the market right now. These include:

  • Flight Insure Plan
  • Travel Guard Plans
  • TravelGap Plans
  • Atlas Multitrip Plans
  • Patriot Multi-trip Plans
  • Liaison Wander Frequent Traveler
  • Flight Guard Insurance

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