Cash benefits when the unexpected happens

What accident insurance covers

Accident insurance is a supplemental policy that pays a fixed cash benefit when you're injured in a covered accident — a fall, a car accident, a sports injury, or a similar unexpected event. The benefit is paid regardless of your health insurance, and you can use the money for deductibles, copays, transportation, or everyday bills while you recover.

Common benefits included in accident insurance plans

• Emergency room and urgent care visit benefits
• Hospital admission and daily confinement benefits
• Fracture, dislocation, and laceration benefits
• Physical therapy and follow-up care benefits
• Ambulance transportation benefits

Who benefits most from accident insurance

Accident insurance is popular with active families, weekend athletes, and anyone carrying a high-deductible health plan who wants a financial buffer against the cost of an ER visit or broken bone. Premiums are typically affordable, and coverage can be added for a spouse and children.