Accident Insurance
Learn about supplemental accident coverage that helps with unexpected injury costs.
Why It Matters
Accidents happen unexpectedly and can result in high out-of-pocket costs even with health insurance. Accident insurance pays cash benefits directly to you, helping cover deductibles, copays, and non-medical expenses like transportation or childcare during recovery.
Key Benefits
- Cash benefits paid directly to you (not providers)
- Covers ER visits, urgent care, X-rays, surgeries, and rehab
- No network restrictions — use any provider
- Benefits paid regardless of other insurance coverage
- Guaranteed issue options available
What to consider
- Which injuries and services are covered
- Benefit schedule and payout structure
- Waiting periods and exclusions for high-risk activities
Common questions
How does accident insurance work with my health insurance?
Accident insurance pays cash benefits directly to you, regardless of what your health insurance covers. You can use the money for deductibles, copays, lost wages, or any other expense.
What types of injuries are covered?
Covered injuries typically include fractures, dislocations, lacerations, burns, concussions, and eye injuries from accidents. Illnesses and pre-existing conditions are not covered.
Are there age limits or health questions?
Many accident plans are guaranteed issue up to certain ages (often 65–70), meaning no health questions. Some plans may have reduced benefits for older ages.
Why It Matters
Accidents happen unexpectedly and can result in high out-of-pocket costs even with health insurance. Accident insurance pays cash benefits directly to you, helping cover deductibles, copays, and non-medical expenses like transportation or childcare during recovery.
Get Help with Accident Insurance
Speak with a licensed agent about your options and get personalized guidance.
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