🚑 Accident Insurance

Accidents Happen. Be Ready When They Do.

Broken bones, ER visits, and injuries don't wait for a convenient time. Accident insurance pays cash benefits directly to you — fast — so unexpected injuries don't become unexpected financial crises.

Get Your Accident Insurance Quote

ER visits · Fractures · Surgery · Free · No obligation

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You're all set!

A licensed advisor will reach out within 1 business day with your accident insurance options.

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⚡ No Waiting Period for Accidents
💵 Cash Paid Directly to You
🏥 Any ER, Any Hospital
💰 Plans Under $20/Month
Cash Benefits

Fixed Cash Benefits for Common Accident Injuries

Unlike health insurance that reimburses providers, accident insurance pays you a fixed cash amount for each covered event — regardless of what your health plan pays.

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$150–$300

Emergency Room Visit

A flat cash benefit every time you visit the ER for a covered accident — on top of whatever your health insurance pays.

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$500–$2,500

Fractures & Dislocations

Broken bones and dislocated joints pay tiered benefits based on severity — a hip fracture pays more than a finger fracture.

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$1,000–$3,000

Accident-Related Surgery

If an accident requires surgical repair — torn ACL, broken wrist, internal injuries — a surgery benefit is paid directly to you.

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$75–$150

X-rays & Diagnostic Imaging

A benefit is paid each time accident-related X-rays, MRI, or CT scans are performed to diagnose your injury.

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$100–$300

Ambulance Transport

Ground and air ambulance benefits offset the often-surprising cost of emergency medical transport.

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$25–$100/visit

Physical Therapy

Per-visit benefits for physical therapy following an accident help cover the cost of full recovery — not just initial treatment.

Real Examples

How Accident Insurance Pays in Real Situations

⚽ Soccer Injury — Broken Ankle

ER visit+$200
X-ray benefit+$100
Fracture benefit+$750
Physical therapy (6 visits)+$360
Total accident benefit paid to you$1,410

🚗 Car Accident — Shoulder Surgery

ER visit+$250
Ambulance benefit+$200
MRI benefit+$150
Surgery benefit+$2,000
Physical therapy (8 visits)+$480
Total accident benefit paid to you$3,080
What's Covered

Common Covered Accident Events

Most accident plans cover a broad range of accidental injuries. Here are typical covered events — exact benefits vary by plan and carrier.

Emergency room treatment for accidents
Fractures — arms, legs, ribs, skull, and more
Dislocations — shoulder, knee, hip, etc.
Accidental cuts requiring stitches
Burns requiring medical treatment
Concussions and head injuries
Torn ligaments and tendons
Eye injuries from accidents
Accident-related hospitalization
Ambulance transport
Accident-related surgery
Follow-up and physical therapy
Who It's For

Accident Insurance Is Smart If You…

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Live an Active Lifestyle

Runners, cyclists, hikers, gym-goers — anyone physically active has a higher accident risk. Protect yourself without slowing down.

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Have Kids

Children are accident magnets. Family accident plans cover everyone — from a toddler's tumble to a teenager's sports injury.

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Have a High-Deductible Health Plan

HDHPs leave you on the hook for the first $1,500–$7,000 of medical bills. Accident cash benefits absorb that deductible hit directly.

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Work in a Physical Job

Construction, trades, healthcare, and other hands-on careers carry higher daily accident risk. Accident insurance is an affordable layer of protection.

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Are Self-Employed

An injury that puts you out of work for 2 weeks doesn't come with paid leave when you work for yourself. Cash benefits keep things running.

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Want Affordable Extra Protection

At under $20/month for an individual, accident insurance is one of the most cost-effective supplemental products available.

FAQ

Accident Insurance Questions Answered

No — accident insurance typically has no waiting period. You are covered for accidents from your first day of coverage. Illness-related conditions are not covered by accident plans (that's what critical illness and health insurance are for).
No — accident insurance is a supplemental product that works alongside your health insurance, not instead of it. Your health plan handles the medical bills; accident insurance pays you fixed cash benefits on top of that, helping cover deductibles, copays, and other out-of-pocket costs.
Accident insurance only covers injuries resulting from sudden, unexpected accidents. Illness, chronic conditions, elective procedures, and self-inflicted injuries are not covered. Pre-existing injuries may also be excluded depending on the carrier and plan.
Absolutely — in fact, that's the most common scenario. Accident insurance is designed to complement your existing health coverage by filling in the gaps your health plan leaves behind, particularly deductibles, copays, and non-medical expenses like lost wages.
After you file a claim with supporting documentation (medical records, bills, etc.), the cash benefit is paid directly to you — not to your doctor or hospital. You decide how to use the money. Most carriers process claims within 7–14 business days.

Don't Let an Accident Wreck Your Finances

Talk to a licensed advisor today — no cost, no commitment, no pressure.

Get My Accident Quote → 📞 (844) 585-3339
Ready to enroll on your own?
Scan & goEnroll directly via HealthSherpa