Connect with a licensed insurance agent at (888) 855-6837

Accident Insurance

Cash benefits to supplement your major medical coverage

Pay your mortgage, major medical premiums or deductibles, or help cover other expenses that don’t stop, even when you experience accidental injury.

Get a Free Accident Insurance Quote in Minutes!
accident insurance
accident insurance mobile
Get a Free Accident Insurance Quote in Minutes!

Cash benefits to supplement your major medical coverage

Pay your mortgage, major medical premiums or deductibles, or help cover other expenses that don’t stop, even when you experience accidental injury.

Accident Insurance
40 Million

ER visits for accidental injuries in 2021

Broken Bone
$2,700

Out-of-network cost of non-surgical treatment for broken lower leg

Prescriptions
$7,258

Average individual ACA 2024 major medical deductible for a bronze plan

accident insurance what is covered

What Does Supplemental Accident Insurance Cover?

These policies typically pay a fixed amount when you experience a covered injury from an accident.

The following lists include common coverages of injuries and related services, and exclusions; however, you must read any policy you’re considering carefully since this is not an exhaustive list.

What Accident Policies May Cover

  • Sprains, dislocations and fractures
  • Concussions
  • Lacerations, burns
  • Eye injuries
  • Torn knee cartilage
  • Ruptured discs
  • Hospitalization, confinement and inpatient rehab
  • Ambulance, urgent care + ER services

What Accident Policies May Not Cover

  • Self-inflicted injury or sickness
  • Injuries related to pre-existing conditions
  • Procedures that are not medically necessary
  • Experimental or investigational procedures
  • Procedures not prescribed by a doctor
  • Injuries resulting from war or active duty military service
  • Injuries sustained at work, while under the influence of drugs or alcohol or while participating in a high-risk activity like bungee jumping

Pros and Cons of Accidental Injury Coverage

accident insurance pros
  • You’re in control – You choose how to use your cash benefits to spend any way you need while you recover.
  • Keep your doctor – You may be better able to afford a provider or facility outside your plan’s network and have less limitations on your options.
  • Enroll year-round – There is no official open enrollment period.
  • A plan for every budget – Different levels of coverage may be offered at different price points to meet individual needs.
  • Affordable monthly premiums – Because policies are so limited in what they cover, it’s relatively affordable to maintain this supplemental coverage.
  • No waiting period – Many policies have no waiting period restrictions, but check policy for waiting periods and limitations.

Combine With Other Insurance Plans for More Coverage

Combine an accident policy with other supplemental health insurance products for more coverage. Hospital indemnity insurance, dental, vision, and critical illness insurance can complement your supplemental accident insurance.

Call [phone number] to speak with a licensed insurance agent to learn more about accidental insurance coverage.

accident insurance other plans

Accident Insurance Resources

placeholder
LearnLearn
What is Accident Insurance and is it Worth it?
placeholder
LearnLearn
Accidental Falls – How to Reduce Your Risk + Cover Medical Costs
Speak With Agent
Speak With Agent

Have Questions? Speak to an Agent

Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage.