San Marcos has a 72-mile trail network, from neighborhood paths to the climb up Double Peak. For households that spend weekends on the trails, we compare AD&D policies and the activities each one covers.
Tell us about your household and activities, and a licensed agent will follow up by phone or video.
By submitting, you agree a licensed insurance agent may contact you about AD&D insurance options.
Everyday outdoor activities are usually covered, while some higher-risk ones need a closer look.
| Activity | Typical AD&D treatment | What to check |
|---|---|---|
| Hiking and trail running | Usually covered as ordinary accidents | Benefit amounts for listed losses |
| Mountain biking | Usually covered unless racing | Exclusions for competitive events |
| Climbing and other high-risk sports | Sometimes excluded unless a rider adds them | Hazardous activity wording in the policy |
We check how each policy treats the activities your household enjoys.
We compare coverage for spouses and kids.
We show how AD&D fits with health, disability, and life coverage.
Most AD&D policies cover accidents during ordinary recreation like hiking and trail running, including on San Marcos’s 72-mile trail network. Benefits apply to accidental death and losses listed in the policy. We confirm there are no activity exclusions that apply to how you spend time outdoors.
Some policies exclude activities like rock climbing, skydiving, or motor racing unless you add a rider. Others cover them at no added cost. Exclusion wording varies from one insurer to the next, so if anyone in your household does higher-risk sports, we compare policies that include them.
AD&D benefits are often chosen as a round amount, sometimes matched to life insurance or a multiple of income. Because AD&D covers only accidents, many families treat it as an addition to life insurance rather than the main coverage. We compare premiums at different benefit levels.
The principal sum is the full AD&D benefit, paid for accidental death or the most severe losses, like loss of two limbs. The capital sum is the amount paid for specific lesser losses, usually a percentage of the principal sum, such as half for one hand or one foot.
Many AD&D policies pay if death or a listed loss occurs within a set period after the accident, often stated in the policy. If the loss happens after that window, the benefit may not apply. We point out the time limit in each policy you compare.
Tell us about your household and activities, and a licensed agent will lay out options by phone or video.
AD&D insurance pays only for losses caused by covered accidents and is subject to the exclusions and limitations in the policy. It is not a substitute for life insurance.
