Accident insurance
Helping you cover expenses after an accident
Life is full of possibilities, and unfortunately, that includes accidental injuries. If that happens, the last thing you’d want to suffer is an additional hit to the wallet. That’s where our cost-effective accident insurance comes in. With benefit payments made directly to you, you can support your mind, body, and wallet® as a supplement to your major medical coverage.
Who is it for?
It's for people who want to be prepared for expenses that may occur in the event of an accident involving themselves or a covered family member. The benefits can help you focus on recovering from an injury instead of worrying about finances.
What does it cover?
You'll receive a benefit payment (paid directly to you, not your doctor) if you suffer a covered accidental injury like a severe burn, broken bone, or have to visit an emergency room. It’ll also cover diagnostic testing and X-rays to determine if your bone is broken.
Why consider it?
It can be a great supplement to your medical coverage and helps pay for expenses that can happen with an accident, including X-rays, ambulance services, and deductibles. You can even use it for non-medical expenses like rent or groceries.
Guardian accident insurance goes further
Guardian accident insurance benefits can cover everyone in the family, and you don’t need a medical exam to get coverage. Depending on the plan, the Child Organized Sport Benefit may provide extra benefits for covered children injured while playing an organized sport like soccer, baseball, lacrosse, or football.¹
Almost one-third of all injuries incurred in childhood are sports-related injuries.²
Health screening benefits
With Guardian accident insurance, when you or someone covered under your plan completes certain routine screenings — such as a blood test, mammogram, colonoscopy, or EKG — you're eligible to receive a benefit payment once a year.³ Even if you have no out-of-pocket expense.
Managing higher out-of-pocket medical costs
When medical costs go up, stress, worry, and pressure can easily rise, too. Accident insurance can help cover expenses such as deductibles or copays associated with an accident or injury.
1 The child must be insured by the plan on date the accident occurred. The child must be 18 years of age or younger
2 Sports Injury Statistics - Stanford Medicine Children's Health, 2025
3 Not available in all states and subject to the group plan holder's election.
Guardian’s Group Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity benefit, for insured injury from a covered accident. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-ACC-18. The state approved form is the governing document.
All scenarios and names mentioned herein are purely fictional and have been created solely for educational purposes. Any resemblance to existing situations, persons or fictional characters is coincidental.
