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Accident Insurance for Kids and Sports Injuries
Kids get hurt -- a sprain, a fracture, a trip to the ER isn't rare, and even with health insurance, the out-of-pocket bill can be real.
Between sports, playgrounds, and just being kids, injuries happen more often in families with children -- and even with major medical coverage, the ER visit, urgent care, or follow-up treatment can mean a real out-of-pocket bill. Accident insurance is built specifically for this.
How it actually works
Accident insurance pays a fixed cash benefit for specific covered injuries and events -- a fracture, a dislocation, an ER visit, an ambulance ride -- regardless of what your major medical plan separately pays. The cash is yours to use for the deductible, copays, or anything else.
It doesn't replace health insurance
Accident insurance only pays for covered accidental injuries -- it doesn't cover illness, and it's not a substitute for your family's major medical coverage. It's built to work alongside it.
Family and child coverage is generally straightforward and inexpensive
Because it's not medically underwritten the way life or health insurance can be, adding children to an accident policy is generally simple, and family accident coverage is commonly one of the more affordable supplemental options.
Your next step
Select 'an accident or injury would be hard to afford' to see this option alongside anything else worrying you.
Common questions
Does accident insurance cover sports injuries?
Generally yes, for covered injury types like fractures and dislocations -- the specific covered events and any sport-related exclusions depend on the policy, which a licensed agent can confirm for a specific plan.
Is accident insurance the same as health insurance for kids?
No -- it only pays for specific covered accidental injuries, not illness or routine care. It's meant to work alongside your family's health insurance, not replace it.
Is it worth it if my kids are already on our health plan?
That depends on your health plan's deductible and out-of-pocket costs -- accident insurance is generally most useful for offsetting exactly those costs when an injury happens, which is worth weighing against the policy's cost for your family.
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.