As an AOPA Member you have access to affordable group rates, which are typically lower than other pilots can get with individual plans. Plus, you're covered anywhere, 24/7. The benefits cover general aviation pilots at all levels of flying, even student pilots, during aviation-related activities and more.
You’re guaranteed this coverage without a physical. Rates may vary by state.
(AOPA Member Only Benefit)
If an insured person is involved in an automobile accident in which he/she was properly wearing a seatbelt, and dies within 365 days as a result of that accident, the beneficiary can receive an additional amount which is the lesser of $25,000 or 10% of the Principal Sum payable. Please refer to the Certificate of Insurance for certain limitations and conditions on this benefit.
If both the insured member and spouse die within one year of same or separate accidents that occurred within
the same 24-hour period, in addition to the benefit payable for loss of life for each, the insured spouse benefit amount for loss of life will be increased to 100% of the member's Principal Sum if the member and spouse are survived by one or more eligible children and the combined member and spouse Principal Sums do not exceed $300,000.
If the Seat Belt Benefit is payable, MetLife will pay an additional benefit if the insured person was positioned in a seat protected by properly functioning, original, factory-installed airbag system that inflates on impact when the accident occurred. The benefit amount is the lesser of the amount of the Principal Sum or $15,000.
The AOPA Accidental Death and Dismemberment Insurance Plan is offered to you with no physical exam or health questions. You and your family are guaranteed coverage regardless of your health as long as you are an AOPA Member under the age of 75.
24-hour coverage with benefits up to $300,000 – You’re guaranteed $300,000 of benefits as an AOPA Member under age 70, and $50,000 of benefits as an AOPA Member between the ages of 70 and 74, with no physical exam or health questions.
The Accidental Death & Dismemberment loss must occur within 365 days after the date of the accident and be a direct result of bodily injury sustained from that accident, independent of other causes.
|Life||100% of Full Amount|
|Hand||50% of Full Amount|
|Foot||50% of Full Amount|
|Arm||75% of Full Amount|
|Leg||75% of Full Amount|
|Sight of One Eye||50% of Full Amount|
|Combination of a Hand, Foot, and/or Eye||100% of Full Amount|
|Thumb & Index Finger on the Same Hand||25% of Full Amount|
|Speech and Hearing||100% of Full Amount|
|Speech||50% of Full Amount|
|Hearing||25% of Full Amount|
|Paralysis of Both Arms and Both Legs||100% of Full Amount|
|Paralysis of Both Legs||75% of Full Amount|
|Paralysis of the Arm & Leg on Either Side of the Body||50% of Full Amount|
|Paralysis of One Arm or Leg||25% of Full Amount|
|Brain Damage||100% of Full Amount|
|Coma||1% monthly up to 60 months of Full Amount|
NOTE: This is only a sample of the covered losses. See Certificate of Insurance for all benefits and conditions on coverage.
MetLife does not pay benefits for loss directly or indirectly caused by any of the following:
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.
AD&D insurance coverage is provided under the terms of a group health insurance policy, Group Policy 229348 issued and delivered in the state of New Jersey, to the Aircraft Owners and Pilots Association as the policyholder and governed by the laws of New Jersey. The group health insurance policy is issued by Metropolitan Life Insurance Company New York, NY 10166. This is a paid endorsement. AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan. The policy is administered on behalf of Metropolitan Life Insurance Company by Mercer Health & Benefits Administration LLC, an insurance administrator licensed in the state of New Jersey. In CA d/b/a Mercer Health & Benefits Insurance Services LLC AR Insurance License #100102691 • CA Insurance License #0G39709 Our Role and Compensation
If you elect family coverage, the benefits will be paid as follows for a covered person:
|Dependent Family Situation||Benefits Payable|
|Spouse1 and Children||Spouse1 covered at 60% of the Member’s amount of AD&D Insurance, Child (each) covered at 25% of the Member’s amount of AD&D Insurance|
|Spouse1 Only||Spouse1 covered at 60% of the Member’s amount of AD&D Insurance|
|Children Only||Child (each) covered at 15% of the Member’s amount of AD&D Insurance|
1Domestic Partner includes your registered Domestic Partner if you and your Domestic Partner are registered as domestic partners, civil union partners or reciprocal beneficiaries with a government agency or office where such registration is available. It also includes your non-registered Domestic Partner in whom you have an insurable interest. By enrolling such Domestic Partner for coverage and signing this enrollment form, you are attesting to your insurable interest.
It makes sense to add extra coverage for accidental deaths or injuries. The AOPA Accidental Death and Dismemberment insurance plan pays benefits to cover the unique costs associated with covered accidents—in addition to any coverage you already have. And AD&D coverage is affordable—you can add up to $300,000 of coverage for just pennies a day.
AD&D coverage is affordable, so many AOPA members, under age 70, get the maximum coverage available—$300,000.
No. You and your eligible family members are guaranteed coverage—regardless of your level of flying experience, professional, lifestyle or travel plans.
The amount of insurance applicable to family members is expressed as a percentage of the amount the member selects for himself or herself (the “Full Amount”), on the following basis:
Spouse, Civil Union Partner or Domestic Partner and Eligible Child(ren):
Spouse, Civil Union Partner or Domestic Partner Only (No Dependent Children):
Dependent Child(ren) Only (No Spouse, Civil Union or Domestic Partner):