Accident insurance for real life.
Kids play sports. Ladders exist. Accident coverage pays cash directly to you after an injury, with no health questions to enroll and no waiting period for accidents.
At a glance
- Cash paid directly to you after a covered accident or injury.
- 24/7 coverage, worldwide: on the job, off the job, on vacation.
- No health questions to enroll on most plans.
- Covers the whole family on one policy.
Injuries plans commonly cover
Broken bones are the classic trigger: the plan pays a fixed benefit based on the injury, on top of whatever your health plan covers.
The urgent-care Saturday every parent eventually has. Covered events pay set cash benefits, including cuts requiring stitches and diagnosed concussions.
Motor vehicle injuries, slips and falls, and burn treatment carry their own benefit schedule.
Physical therapy, ambulance and air ambulance transport, and family accident benefits are available on higher tiers.
Health plans treat injuries. They don't pay for them.
An ER visit for a broken arm is covered care, but it still lands as a deductible, copays, and maybe a week of missed shifts. Active families feel this the most: the health plan does its job and the bank account still takes the hit.
Accident coverage pays a set cash amount for each covered injury, usually within days. For families with kids in sports, it is one of the cheapest layers in the whole bundle.
The active-family layer
Accident coverage slots into the bundle beside the health plan, aimed at the injuries active households collect:
Quick answers
Do I have to answer health questions?
Most accident plans have no medical underwriting at all. You enroll, coverage starts, and accidents are covered from day one.
Is it only for big accidents?
No. Everyday injuries like cuts needing stitches, sprains, and minor fractures trigger benefits too. The benefit amount scales with the severity of the injury.
Does it cover my kids' sports?
Yes. Family plans cover children's injuries including organized sports, which is the single most common reason parents add this coverage.
When can I enroll?
Almost any time. Accident plans are not limited to open enrollment.
Ready when you are
Tell us three things and a licensed advisor will call with your real options, at your real price. No pressure, no obligation, and we make sure you're covered before we enroll you in anything.
Get your accident coverage quote
A licensed agent will call with your best options. No obligation.