Broken bones. Stitches. Ambulance rides. Accident insurance pays you a set cash benefit for each covered injury — on top of whatever your health insurance does. Especially powerful for active families and high-deductible plans.
Accident policies pay specific dollar amounts for specific events. Your health insurance covers the medical bill — accident insurance covers everything else: deductibles, time off, gas to follow-up appointments, peace of mind.
Health insurance pays providers for medical bills. Accident insurance pays YOU directly — cash you can use for anything: deductibles, missed work, copays, transportation. It's a supplement, not a replacement.
Unintentional injuries — falls, sports, car accidents, kitchen mishaps, dog bites. Not chronic conditions or illnesses (those need health or critical illness coverage).
Typically $15–$40/month for individuals and $35–$70/month for families. Premiums don't go up with claims.
Coverage usually starts the day after enrollment — most accident plans have no waiting period. Pre-existing chronic conditions are excluded, but accidents themselves are covered immediately.
Quick quote, low monthly premium, fast claims when you need them.
