MasterTravel provides coverage against accidental death and dismemberment when traveling as a passenger by land, air, or sea on a licensed common carrier. Cardholders must purchase tickets using their MasterCard cards. Losses resulting from acts of terrorism are covered. Coverage is provided to the cardholder, spouse, and unmarried dependent children under age 18—or up to age 23, if attending school as a full-time student—including stepchildren or legally adopted children. The spouse and dependent children do not need to be traveling with the cardholder to be considered Insured Persons.