Accident Insurance

You can't plan on accidents, but you can plan for them

Life is unpredictable, but your finances don't have to be. Accident insurance is supplemental coverage that pays cash benefits when you're injured in a covered accident — helping with out-of-pocket medical costs or everyday bills while you heal. From ER visits and ambulance rides to hospital stays and follow-up care, it helps cover what your health insurance might not.

Unintentional injuries are consistently among the leading causes of death in the United States, according to the CDC, and send millions of Americans to the emergency room every year. A single trip can mean a deductible you didn't budget for.

Typical accident insurance benefits

Accidental injury benefit

Pays actual charges for treatment of an accidental injury up to the plan limit — physician fees, surgery, X-rays, fracture reduction, dislocations and emergency first aid. Expenses generally must be incurred within a set number of days after the accident, and an ER deductible may apply.

Ground or air ambulance

Pays charges for ambulance transportation due to a covered injury, up to the plan limit.

Hospital income benefit

Pays a fixed daily amount while you're hospitalized for a covered injury, starting on the first day of confinement.

Accidental death & dismemberment

Pays a fixed benefit for a fatal accident or for covered losses such as a finger, toe, hand, arm, foot, leg or sight.

Benefit amounts depend on the plan and the number of units you choose. We'll show you exactly what each option pays.