Does Accidental Death and Dismemberment Insurance Cover Accidental Overdose?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Accidental Overdose and AD&D Policies

  • Definition of Accident: AD&D policies define ‘accident’ as an unforeseen event causing injury. Overdose, even if accidental, is often viewed as a consequence of voluntary substance intake.
  • Policy Exclusions: Many policies specifically exclude deaths or injuries from drug or alcohol overdose.

Understanding AD&D Insurance

What is Covered

  • Accidental Death: Pays benefits if the insured dies due to an accident.
  • Dismemberment: Provides benefits if the insured loses a limb, sight, or other physical abilities due to an accident.

What is Not Covered

  • Natural Causes: Death or injuries from illnesses or natural causes.
  • Suicide or Self-Harm: Intentional self-injury or suicide.
  • Overdose: Accidental overdose falls under exclusions as it’s often related to substances.

Important Considerations

  • Policy Specifics: Always read your policy carefully to understand the specific exclusions and covered conditions.
  • Variations Between Policies: Coverage details can vary between insurance providers and policies.


Accidental Death and Dismemberment insurance is designed to cover unforeseen physical injuries or death due to accidents. However, it typically does not include coverage for accidental overdoses. Understanding your policy’s specific terms and conditions is crucial for knowing what is covered. For further information or to discuss insurance options tailored to your needs, contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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