To use this guide: select a topic from the menu below, or for a complete overview of all Accidental Death Insurance questions scroll down the page.
1) What is Accidental Death Insurance?
Accidental death and dismemberment insurance (also known as AD& D) covers death or dismemberment as a result of an accident. In contrast to life insurance, AD&D generally would not pay survivor benefits in the case of death by illness. AD&D premiums are generally cheaper than life insurance because the incidence of death by accident is lower than death by natural causes. Dismemberment refers to the loss of two limbs or the complete loss of sight (ie: blindness), and is a rider (attached endorsement) to a policy.
2) I am traveling to Europe for vacation - will this insurance cover me if my trip is cancelled due to MY illness?
No, these policies cover travel related accidents.
3) I am planning a cruise for vacation - if my trip is cancelled due to inclement weather will this help me?
No, these policies have no trip cancellation or interruption provision.
4) I arrived at my destination and some of my bags were either lost or stolen, will this insurance provide coverage?
No, baggage coverage loss is not covered under the terms and condition of these policies.
5) Will these products still benefit me if I no longer own a car?
Yes! Not only do these products cover you while driving an automobile or as a passenger in an automobile, you are covered if travel is on a scheduled airline or a common carrier (i.e., bus, train, ship, etc.) Additionally, even as a pedestrian you are covered.
6) Do the benefits extend to travel outside of contiguous United States?
Absolutely-travel anywhere.
7) Is there a separate premium for every trip I take?
No, the premium paid covers you for an entire year from the date of purchase for unlimited trips.
8) How do I change my beneficiary?
To change your beneficiary, you must provide a written designation (which includes your signature) to the Administrative Offices- Keystone Insurance Company – at P. O. Box 4702, Trenton, NJ 08650 Attention: Accident & Health Division. The change will take effect as of the date you signed it.
9) When does my coverage become effective?
Your coverage becomes effective on the date the completed enrollment form and required premium is received by Keystone Insurance Company.
10) When will I receive my Certificate of Insurance?
Approximately 14 business days after the completed enrollment form and required premium has been sent to Keystone Insurance Company will you receive your Certificate of Insurance in the mail. The Certificate of Insurance will indicate your name; address and benefit level you selected as well as the effective date of coverage.
11) What are the main features and benefits of The Protector Policy?
The Protector Policy is a travel accident policy that offers accidental death and dismemberment benefits to you when traveling by car, plane, boat, ship, bus, train or even by foot.
12) What do I do if I need to report a claim?
Simply contact our Customer Service Representatives, Monday through Friday, between the hours of 8:30 AM to 4:30 PM (ET) - Toll Free – 1-800-763-2100.
13) Why are benefits reduced at age 75?
From time to time, Keystone Insurance Company feels it necessary to review the Policy. Recent analysis indicated that insureds age 75 and in particular 80 years and older, contributed a disproportionate number of land motor vehicle and pedestrian travel accidents. However, unlike some companies that do not offer coverage after a certain age or reduce benefits at lower ages, some starting as early as 65, we chose to reduce benefits at age 75 on land motor vehicle and pedestrian travel accidents only. Common Carrier and Scheduled airline travel accidents are not affected by this reduction. This action resulted in no increase in premiums to any of our insureds covered under this Group Policy.
14) How does Keystone Insurance Company safeguard the privacy of its policyholders?
Keystone Insurance Company knows that the nonpublic personal information of its policyholders is confidential. Accordingly, we oversee the receipt, storage, use and disclosure of nonpublic personal information about you and restrict access to those employees who need it to serve you. We maintain physical, electronic and procedural safeguards to secure your non-public personal information that comply with federal regulations.