Accident Insurance for Unexpected Injuries
The average cost of a broken leg can be up to $7,000. Even with major medical insurance, you could still owe thousands in out-of-pocket costs.
Accident Insurance helps fill the gap between what health insurance covers and the out-of-pocket expenses you are left with after a covered accident. Such expenses can include co-pays, prescription drugs, follow-up treatments, transportation, and lodging.
Why Choose Accident Insurance?
When an unexpected injury happens, Accident Insurance pays you cash directly, to use however you need. In the event an accident is fatal, our plan includes an accidental death benefit that will pay out money to your designated beneficiary.
Direct Cash Benefits
Receive cash payments directly to you to use however you need - pay bills, cover expenses, or replace lost income.
Comprehensive Coverage
Protection for emergency room visits, hospitalizations, surgeries, and follow-up care after accidents.
24/7 Protection
Continuous coverage wherever, whenever. Automatic renewal with no premium increase as long as policy is current.
Fast & Easy Claims
File claims in minutes with instant status updates. Get paid fast with direct deposit.
What Does Accident Insurance Cover?
The financial strain of an accident can be unsettling – even with major health insurance. Our benefits pay cash to help cover a wide range of accidental injuries and treatments.
Immediate Care
- Emergency care
- Ambulance ride
- Medical tests and exams
- Emergency dental care
Hospitalization
- First admission to hospital
- Daily hospital room cost
- Hospital accommodation
- Admission to ICU
Injury Treatments
- Surgical procedures
- Epidurals and anesthesia
- Fractures, concussions, cuts
- Burns, dislocations, & more
Follow-up Care
- Rehabilitation
- Follow-up treatments
- Physical & occupational therapy
- Crutches, leg brace, & more
You've got questions. We have answers.
Common questions about Accident Insurance
â–²Is Accident Insurance worth it?
Accidents happen, big or small, and always at the wrong time. No warning, no time beforehand to reallocate funds, but a surprise injury with a hefty price tag. Having an added layer of supplemental accident insurance can help fill the holes that your primary insurance may be missing.
â–²Will my monthly rate increase if I get hurt?
No. Your monthly rate for the plan and coverage you applied for is guaranteed to stay the same even after you experience an injury. Your monthly rate will never increase, regardless of age, health, or occupation, as long as premiums are paid.
â–²How much does accident insurance cost?
In general, the cost of accident insurance is affordable and can fit into most budgets. You can get coverage for less than the price of a week's worth of bandages.
Real Life Example
Sarah broke her arm in a skiing accident. Her health insurance covered the medical bills, but she couldn't work for 6 weeks. Her Accident Insurance policy paid her $2,500 in cash benefits for the hospital visit, X-rays, cast, and follow-up appointments.
Sarah used the money to cover her mortgage, car payment, and groceries while she recovered. Without Accident Insurance, she would have struggled to pay her bills during recovery.