Financial Protection When Accidents Happen
Accidents are unexpected. The financial burden shouldn't be. Get cash benefits paid directly to you when you're injured to help cover deductibles, copays, lost wages, and everyday expenses during recovery.
Why Accident Insurance?
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Cash Payments to You
Benefits paid directly, use as you need
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Cover Deductibles
Help pay high-deductible health plan costs
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Replace Lost Income
Cover wages when you can't work
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Affordable Premiums
Low monthly costs for valuable protection
Over 31 million ER visits from accidents yearly
How Accident Insurance Works
Simple, straightforward coverage that pays you directly when you need it most.
Accident Occurs
You experience a covered accident like a broken bone, burn, or injury requiring emergency care.
Get Treatment
Seek medical care from any doctor or hospital. Your health insurance pays the providers.
File Claim
Submit a simple claim form with documentation of your covered injury and treatment.
Receive Cash
Get cash benefits paid directly to you. Use the money for any expenses you choose.
Covered Injuries & Benefits
Accident insurance provides cash benefits for a wide range of injuries and treatments.
Emergency Care
- • Emergency room treatment: $100-500
- • Ambulance transportation: $300-500
- • Air ambulance: $1,000-2,000
- • Initial physician visit: $100-200
Fractures
- • Hip/femur: $3,000-8,000
- • Leg/arm: $1,500-4,000
- • Skull/vertebrae: $6,000-10,000
- • Hand/foot: $500-1,500
Lacerations
- • Requiring stitches: $50-300
- • Without stitches: $25-50
- • Facial lacerations: Higher benefits
- • Multiple injuries: Combined benefits
Burns
- • 3rd degree: $2,000-10,000
- • 2nd degree: $500-2,000
- • 1st degree: $50-200
- • Skin grafts: Additional benefits
Hospitalization
- • Initial admission: $1,000
- • Daily hospital stay: $200-400/day
- • ICU confinement: $400-800/day
- • Observation: $100-200
Follow-Up Care
- • Physician follow-up: $50-100/visit
- • Physical therapy: $30-50/session
- • X-rays/imaging: $50-200
- • Prosthetics: $500-2,000
Example: Broken Arm from Fall
Potential Costs:
- ER visit: $1,500
- Health insurance deductible: $3,000
- Lost wages (1 week): $800
- Childcare assistance: $300
- Total: $5,600
Accident Insurance Pays:
- ER benefit: $500
- Fracture benefit: $2,500
- Ambulance: $400
- Follow-up visits (3): $150
- Total: $3,550
Benefits help significantly reduce your out-of-pocket burden!
Who Needs Accident Insurance?
Active Individuals & Athletes
If you play sports, work out regularly, or lead an active lifestyle, you're at higher risk for injuries. Protect yourself from unexpected medical costs.
Families with Kids
Children are naturally accident-prone. From sports injuries to playground falls, accident insurance helps cover the costs of inevitable bumps and breaks.
High-Deductible Plans
If you have a high-deductible health plan, accident insurance helps cover those large out-of-pocket costs when injuries occur.
Manual Workers
Construction, manufacturing, delivery, and other physical jobs carry higher accident risks. Protect your income and finances with supplemental coverage.
Limited Savings
If an unexpected $3,000-5,000 medical bill would strain your finances, accident insurance provides crucial financial protection.
Commuters & Travelers
Long commutes and frequent travel increase accident exposure. Ensure you're protected wherever life takes you.
Protect Yourself from Unexpected Accidents
Get affordable accident insurance that pays cash benefits directly to you. Contact us today for a personalized quote and protect your finances from unexpected injuries.
Common Questions
Accident Insurance FAQ
Common questions about accident insurance coverage
Get answers about accident insurance and how it provides cash benefits for unexpected injuries.
What is accident insurance?
How does accident insurance differ from health insurance?
What types of accidents are covered?
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