Accident insurance pays cash benefits directly to you for injuries caused by covered accidents — from ER visits and fractures to ambulance rides and physical therapy.
Accident insurance is a supplemental plan that pays you fixed cash benefits when you are injured in a covered accident. It works alongside your health insurance to cover the costs your primary plan doesn't — like deductibles, copays, and lost wages.
Whether it's a sports injury, a car accident, a fall at home, or a workplace injury, accident insurance ensures you're never caught off guard financially.
A broken leg from a weekend soccer game can cost $8,200+ after ER visit, X-rays, casting, and physical therapy — even with health insurance. Accident coverage pays you cash to close that gap.
Benefits are paid per incident, per type of injury or treatment received.
A flat cash benefit for each ER visit due to a covered accident, regardless of what treatment is received.
Benefits paid for broken bones and dislocations — with higher payouts for more severe fractures.
Ground and air ambulance benefits to cover the cost of emergency transport to a medical facility.
Benefits for surgical procedures required as a direct result of a covered accidental injury.
Benefits for physical therapy and rehabilitation sessions following an accidental injury.
Benefits for burns, cuts requiring stitches, and other soft tissue injuries from accidents.
Daily cash benefits for each day you are hospitalized due to a covered accidental injury.
A lump-sum benefit paid to your beneficiaries in the event of accidental death.
From enrollment to claim — it's fast and simple.
No medical exam. Answer a few questions and enroll with a licensed partner. Coverage can begin within 24 hours.
Seek treatment at any provider. Keep your Explanation of Benefits (EOB) and medical records.
Submit your claim online or by phone with your carrier. Most claims are processed within 5–10 business days.
Benefits are paid directly to you via check or direct deposit. Use the money however you need.
See how accident coverage made a real difference for our clients.
"I slipped on ice and broke my wrist. Between the ER, surgery, and 8 weeks of physical therapy, my out-of-pocket costs were over $4,000. My accident plan paid me $3,200 in cash. It covered almost everything my health insurance didn't."
"My teenage son tore his ACL playing football. The surgery and rehab cost us $6,500 out of pocket. Our accident plan paid $4,800. At $28/month for the whole family, it was absolutely the right call."
"I was in a minor car accident and ended up in the ER. The ambulance alone was $1,800. My accident plan covered the ambulance, ER visit, and my follow-up care. I didn't pay a single dollar out of pocket."
Everything you need to know about accident insurance.
Takes under 2 minutes. No obligation. A licensed partner will contact you within 24 hours.
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A licensed partner will contact you within 24 hours with your personalized Accident Coverage options.