Snell

MEMORANDUM **

John Richard Snell (“Snell”) appeals the district court’s grant of summary judgment in favor of American Home Assurance Company (“American Home”).

Snell was insured as an employee under an American Home accidental death and dismemberment insurance policy, which provided 24-hour accident protection while an individual was on a business trip. The policy provided coverage for “loss of’ life, feet, hands, and/or sight and stated that “the term ‘loss’ as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints----”

Snell was injured in an accident while on a business trip and became a quadriplegic. He submitted a claim to American Home for benefits, which was denied because coverage for quadriplegia did not exist un *640 der the policy at the time of Snell’s injury, and Snell had not suffered actual severanee of a body part as required for dismemberment benefits. Snell claims that American Home wrongfully denied him , dismemberment benefits by failing to construe the insurance policy in his favor. We affirm the district court.

We review the district court’s grant of summary judgment de novo. Rene v. MGM Grand Hotel,…