I take out travel insurance, the full deluxe package, when I travel and to my knowledge it does not include 1.5 million for accidental death. I have never had to name a beneficiary on my travel insurance.
MOO
ETA: I just checked my last policy and it is for $50,000 accidental death.
Most likely the policy was taken out for the two of them together. You don't get the option to select parts of it for one person and not the other. If he took the AD&D option for himself, she would be covered as well.