Accident Insurance
Accident Insurance helps cover unexpected medical costs, giving you peace of mind when life doesn’t go as planned.
Why Accident Insurance?
Life is unpredictable, and even a minor accident can lead to unexpected medical bills, time away from work, and added stress. Accident insurance provides an extra layer of financial protection by helping cover expenses like emergency care, hospital stays, and recovery costs that health insurance may not fully pay. It’s designed to give you peace of mind and financial support when the unexpected happens, so you can focus on healing instead of worrying about the bills.
How Does Accident Insurance Work?
Accident insurance is designed to cover
sudden, unexpected, external events that cause injury. Each policy defines “covered accidents” a little differently, so it’s important to check the details of your specific plan.
Common Accidents & Injuries That Qualify
Most accident insurance policies cover things like:
- Slips, trips, and falls (leading to broken bones, sprains, or dislocations)
- Car, motorcycle, or truck accidents
- Sports or recreational injuries
- Burns, cuts, or lacerations requiring medical treatment
- Concussions or other head injuries
- Emergency dental injuries caused by an accident
- Hospitalization or ICU stays due to an accident
- Accidental death or loss of limb/vision/hearing (often covered under accidental death & dismemberment provisions)
What’s Usually Not Covered
Accident insurance won’t pay benefits for injuries that result from:
- Illnesses or chronic conditions (those fall under health or critical illness insurance)
- Self-inflicted injuries
- Injuries from intoxication, illegal acts, or dangerous hobbies (depending on policy exclusions)
- Normal sickness or disease
When It Makes Sense to Consider
While you don’t need a specific circumstance to “qualify” for accident insurance, people often choose accident insurance if they:
- Have active lifestyles (sports, outdoor work, or frequent travel).
- Work in physically demanding jobs where the risk of injury is higher.
- Have high-deductible health plans, since accident insurance can help cover out-of-pocket costs.
- Want extra peace of mind for their family’s financial stability in case of unexpected injuries.