Accidents Don’t Make Appointments
From kitchen mishaps to weekend adventures, accidents happen when we least expect them. Accident insurance provides immediate cash benefits to help cover the costs that health insurance might miss.
Key Benefits
Fast Cash When Accidents Strike
Immediate Payouts: Cash benefits paid directly to you, often within 24-48 hours No Deductibles: Benefits paid regardless of your health insurance coverage Comprehensive Coverage: Emergency room visits, fractures, burns, and more Family Protection: Coverage options for your entire family
What’s Covered
Emergency Room Visits: $300-$1,000 per visit Fractures: $1,000-$5,000 depending on severity Burns: $500-$5,000 based on degree and treatment Ambulance: $400-$800 per trip Hospital Stays: $200-$400 per day Physical Therapy: $50-$100 per session
Real Life Scenarios
- Kitchen Accident: Severe cut requiring ER visit and stitches
- Sports Injury: Broken arm during weekend basketball game
- Car Accident: Whiplash requiring ongoing physical therapy
- Home Improvement: Fall from ladder resulting in concussion
Why Accident Insurance Matters
The average emergency room visit costs $2,200. Accident insurance helps ensure that unexpected injuries don’t create lasting financial damage.