GetFastRates.com
Get an Accident Insurance Quote
Accident insurance pays a fixed cash benefit for covered injuries -- like a broken bone or ER visit -- on top of whatever your regular health insurance pays, with no restriction on how you use the money.
Is this right for you?
- You have an active lifestyle, kids in sports, or a physically demanding job
- You want a cash cushion for unexpected out-of-pocket costs from an injury
- You already have regular health insurance and want to supplement it, not replace it
Your options
Covers you for a fixed cash benefit per covered injury or accident-related event.
Extends the same cash-benefit structure to your whole household, often useful for active kids.
Some carriers combine accident coverage with critical illness coverage under one policy.
Common questions
Does accident insurance replace my health insurance?
No -- it's designed to supplement health insurance with a cash benefit, not replace your major medical coverage.
What can I use the accident insurance payout for?
Generally anything -- deductibles, copays, lost income, or any other expense. The cash benefit isn't restricted to medical bills specifically.
What kinds of injuries does accident insurance cover?
Varies by policy -- common covered events include fractures, dislocations, ER visits, and hospital stays from a covered accident. An agent can walk through a specific policy's schedule of benefits.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.