Understanding the Legionnaires Travel Accident Plan Offered by Securian Life Insurance

What Is the Legionnaires Travel Accident Plan?

The Legionnaires travel accident plan is a specialized insurance product offered by Securian Life Insurance Company that provides financial protection for travelers who suffer accidental injury, death, or disability while traveling abroad. It is designed for individuals and groups—such as military families, corporate travelers, and members of veteran organizations—who want a dedicated safety net that complements existing health or life policies.

Key Coverage Features

Securian structures the plan around three core benefit categories:

• Accidental death and dismemberment (AD&D) benefits
• Accidental medical expense reimbursement
• Trip interruption and emergency evacuation assistance

Each category has its own limits, exclusions, and eligibility rules, which are summarized in the table below.

Eligibility and Enrollment

The plan is available to:

• U.S. citizens and permanent residents aged 18‑70
• Members of recognized veteran or Legionnaire organizations
• Employees of companies that have negotiated group rates with Securian

Individuals can enroll directly through Securian's website or via an authorized broker. Group enrollment typically requires a minimum of 10 participants and is managed by a corporate or association administrator.

How Premiums Are Calculated

Premiums depend on three primary factors:

• Age of the insured traveler
• Destination risk rating (e.g., high‑risk regions may attract a surcharge)
• Selected coverage limits (higher limits increase the premium)

For example, a 35‑year‑old traveling to Europe with the standard $250,000 AD&D limit might pay around $45 per year, whereas the same traveler heading to a higher‑risk destination could see a premium of $70–$85 per year.

Claims Process: Step‑by‑Step

When an incident occurs, policyholders should follow these steps to file a claim:

1. Immediate Notification

Contact Securian's 24‑hour claims hotline (1‑800‑SEC‑LIFE) within 24 hours of the event. Provide the policy number, incident description, and any medical documentation.

2. Documentation Gathering

Collect and submit the following:

• Medical reports and bills
• Police or incident reports (if applicable)
• Proof of travel (tickets, itineraries)

3. Claim Submission

Upload documents through Securian's secure portal or mail them to the claims department. Claims are typically processed within 15 business days.

4. Payment

Approved claims are paid directly to the insured or designated beneficiary via check or direct deposit.

Comparing Securian's Plan to Common Alternatives

Travelers often consider three main options for accident protection:

• Standalone travel accident policies from niche insurers – usually lower cost but limited benefit options.
• Comprehensive travel insurance that bundles medical, trip cancellation, and accident coverage – broader protection but higher premiums.
• Employer‑provided group plans – may include accident coverage as a rider, often at a discounted group rate.

Securian's Legionnaires plan sits between a standalone accident policy and a full‑service travel insurance package: it offers robust AD&D and medical accident benefits while keeping premiums moderate, especially for eligible groups.

Policy Limitations and Important Exclusions

Understanding what is not covered is as crucial as knowing the benefits. Common exclusions include:

• Injuries sustained while participating in illegal activities
• Accidents occurring in designated war zones or areas under travel advisories
• Pre‑existing medical conditions not disclosed at enrollment
• Self‑inflicted injuries or suicide attempts

Policyholders should review the full "Exclusions" section of the contract to avoid surprises during a claim.

How to Maximize the Value of Your Plan

Here are practical tips for getting the most out of the Legionnaires travel accident plan:

• Combine with a health travel policy for non‑accidental medical needs.
• Maintain up‑to‑date emergency contacts in the Securian portal for faster evacuation assistance.
• Review destination risk ratings annually; if you travel to higher‑risk areas frequently, consider raising the AD&D limit.
• Keep all travel receipts and incident reports organized for smoother claim filing.

Frequently Asked Questions

Q: Does the plan cover COVID‑19‑related hospitalization?A: No. The accident plan only covers injuries resulting from accidental events. Separate pandemic‑related coverage must be purchased.

Q: Can I add family members to my individual policy?A: Yes, Securian offers a "family rider" that extends AD&D benefits to spouses and dependent children for an additional premium.

Q: What happens if I cancel my trip before departure?A: The plan does not provide a refund for unused premiums, but you may be eligible for a prorated refund if you cancel within the free‑look period (usually 10 days after purchase).

Conclusion

The Legionnaires travel accident plan from Securian Life Insurance offers a focused, cost‑effective safety net for travelers who need reliable protection against accidental injury, death, and related expenses abroad. By understanding coverage limits, eligibility criteria, and the claims process, policyholders can confidently travel knowing that financial assistance is available when it matters most.