Accident Insurance

Pays cash benefits when you're injured in an accident - car crash, fall, sports injury, broken bone, burns, or any covered accident. Money goes directly to you to use however you need.

Works alongside your health insurance to help cover out-of-pocket costs.

You're injured: Any covered accident

Get treatment: Emergency room, urgent care, surgery, hospital stay

File a claim: Submit treatment documentation

Get paid cash: Benefits based on injury type and treatment

Use it for anything: Deductibles, copays, lost wages, bills, childcare

Cash Payments Directly to You
Deposited to your bank account - not to doctors or hospitals.

Covers Common Accidents
Fractures, dislocations, burns, cuts requiring stitches, concussions, injuries from car accidents, falls, sports.

Works with Any Health Insurance
Supplements your existing coverage.

No Networks
Get treated anywhere - benefits paid regardless of provider.

Affordable
$10-$50/month for individual, $20-$100/month for family.

Emergency Room Visit: $100-$500
Urgent Care Visit: $50-$150
Ambulance: $200-$500
Hospital Admission: $1,000-$5,000
Surgery: $500-$5,000 depending on type
Fractures: $100-$5,000 depending on bone
Dislocations: $100-$2,500
Burns: $100-$10,000 depending on severity
Lacerations: $50-$500 depending on stitches required
Concussion: $200-$500
Physical Therapy: $25-$50 per visit
Follow-up Doctor Visits: $25-$75 per visit

Benefits vary by plan - higher premiums = higher payouts.

Broken Arm Playing Sports
ER visit: $300
X-rays: $100
Fracture benefit: $2,000
Follow-up visits (3): $150
Total payout: $2,550

Car Accident Injury
Ambulance: $400
ER visit: $500
Hospital admission (2 days): $2,000
Surgery: $3,000
Total payout: $5,900

Kitchen Burn
Urgent care: $100
Second-degree burn: $500
Follow-up visits: $100
Total payout: $700

Active families with kids in sports

High deductible health plans ($3,000+)

Manual labor jobs with injury risk

Weekend warriors - mountain biking, skiing, recreational sports

Anyone who couldn't afford a $5,000 unexpected medical bill

Seniors at risk for falls

Monthly Premium:
Individual: $10-$30/month
Couple: $20-$50/month
Family: $30-$100/month

Coverage Options:
Low plan: Smaller benefits, $10-$20/month
Medium plan: Moderate benefits, $25-$50/month
High plan: Maximum benefits, $50-$100/month

Choose based on your risk level and budget.

No Waiting Period
Coverage starts immediately - accidents covered from day one.

No Pre-Existing Condition Exclusions
Unlike health insurance, accident plans don't exclude based on health history.

Pays in Addition to Health Insurance
You collect from both - health insurance pays medical bills, accident insurance pays you cash.

Worldwide Coverage
Most plans cover accidents anywhere, not just in the US.

Self-inflicted injuries

Injuries from illegal activities

Injuries while intoxicated

Intentional acts

War or acts of war

Some plans exclude:
Extreme sports (skydiving, bungee jumping)
Professional sports
Motor racing

Check specific plan exclusions before enrolling.

Accident Insurance:
Covers accidents only
Pays per injury/treatment type
Lower premiums
Covers outpatient treatment

Hospital Indemnity:
Covers accidents AND illness
Pays per hospital day or admission
Higher premiums
Only pays for hospital admission

Many people get both for complete protection.

"Does this replace health insurance?"
No. This supplements it. You need major medical coverage.

"What if I break my arm and my health insurance covers it?"
You still get paid. Accident insurance pays you regardless of what health insurance pays.

"Are sports injuries covered?"
Yes, recreational sports injuries are covered. Professional sports may be excluded.

"Can kids be covered?"
Yes. Family plans cover children, often at no additional cost for 3+ kids.

"What about dental injuries from accidents?"
Most plans include accidental dental injury benefits for knocked-out teeth, broken jaw, etc.

Available year-round

No open enrollment periods

Coverage starts immediately upon approval

Most applications approved same day

1. Get Your Quote
Call 800-835-1776 or request online
Individual or family coverage

2. Choose Coverage Level
Low, medium, or high benefit amounts

3. Complete Simple Application
No medical questions - guaranteed issue in most cases

4. Coverage Starts
Effective immediately or 1st of following month

CALL NOW: 800-835-1776
GET ONLINE QUOTE