Who is accident insurance for?
Nobody can predict an accident, which is why accident insurance is a good add-on for people who already have health and disability insurance coverage through their employer or individually. We offer accident insurance that you can buy from us directly or through participating employers.
What does accident insurance cover?
Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football*.
Why should I consider accident insurance?
With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.
Over 40 million Americans receive treatment for an injury each year1. These accidents often lead to unexpected expenses that can hurt your wallet. Accident insurance is different from health and disability insurance because it helps protect you from the unexpected costs those types don’t cover and can be considered a supplemental insurance.
It’s paid directly to you
An accident insurance plan pays you directly in cash without any deductible or extra waiting time after your claim is verified.
You choose how to spend your money
The money you receive from your accident insurance can be used however you want as you recover from your injuries, covering anything from medical costs to non-medical costs like your monthly rent.
Get extra protection for child athletes
Take advantage of our flexible Rainy Day Fund.
Our Rainy Day Fund is standard on all plans. Start each year with up to $500 in the fund that we use to pay claims that would otherwise be denied due to certain limitations.
Use optional features for extra coverage**
Employers can tailor their benefits to their employees. With our Injury-Free BenefitTM, you are paid a benefit when your family remains claim-free for five years, and only Guardian offers this benefit. We also offer an automatic increase option that provides an automatic 5% increase in benefits every year for a maximum of five years with no increase in employee premium.***