Accident Insurance is an absolute necessity for responsible, active minded individuals who like to test their limits - whether it's in team sports, endurance challenges, outdoor recreation or life. It is effective as a supplement to a high-deductible or limited coverage major medical plan, or on its own as a more affordable condition specific alternative to major medical insurance.

YOU'RE NOT INVINCIBLE! If you live an active and adventurous lifestyle and like to test your limits, an injury will inevitably strike you down. Even with major medical insurance, you'll still be responsible for up to thousands of dollars in expenses stemming from various doctor's visits, treatments, outpatient care, physical therapy and additional living expenses. Our Accident Insurance plans protect you from being blindsided with medical bills and injury-related lifestyle expenses allowing you to seek challenge and play hard worry free.

You customize your plan by selecting you maximum benefit amount (up to $15,000) and deductible amount ($0-$500). In the event of an accident-related injury, you submit the claim using the forms on our website and, after a 7-10 day processing period, a check is mailed payable to you for the total claim amount from our partner insurance carrier.

Accident Insurance Plans start at $16 per month and increase depending on your demographic information as well as how you choose to customize your plan to meet your specific needs and budget.

For example:

A $10,000 accident plan with a $250 deductible would cost a 25-35 year old male $25 per month and female $21 per month.

Yes. You don't need any existing health insurance to apply, enroll, or use Accident Insurance. However, Accident Insurance is designed as a supplementary product and is not comprehensive in its coverage.

Enrollment is quick and easy. An application can be found on our website and only takes about five minutes to fill out. A credit card can be used to pay the initial amount to secure enrollment (or to pay the entire annual premium if the annual payment term option is selected). Bills from that point forward can be paid using an electronic funds transfer (EFT) or by mailing in a check with your monthly statement.

Yes. Accident Insurance policies are guaranteed issue regardless of preexisting medical conditions, tobacco use, health history, etc.

*Please note we only hold licenses to sell Accident Insurance policies in the following states: AR, CO, CT, DE, GA, MD, ME, MI, MO, NJ, NV, NY, OH, OR, PA, RI, TX, UT, WA

** We can refer applicants in most other states to write direct through insurance companies representatives.

Claims forms can be found on our website. To file a claim print the forms, fill in your policy information and have the healthcare provider fill out their highlighted section. Then, mail or fax both parts into the insurance company where they are reviewed, processed, and sent out within 7-10 days.

Accident Insurance reimburses you for any medical expenses that result directly from an accident. The injury can be sustained skiing the steepest line on the mountain, playing in an office league softball game, or slipping on the way out to the mailbox. Chronic pains, illnesses, and ongoing conditions are all exempt from this type of coverage. In the event of an accident related injury, medical attention must be requested within 72 hours of the incident. For a detailed list of extreme sports, activities, and specific circumstances that are exempt from coverage see the Accident Expense Exclusions section of the policy brochure. We also offer major medical plans to provide you with complete, unlimited coverage for any type of healthcare expense.