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.
Meet Richard
Richard was biking with his son when he tore a tendon in his ankle.
He went to the hospital emergency room for treatment.
His claim submission was quick and easy, and his accident insurance paid him a fixed benefit amount that he used to offset the cost of crutches and physical therapy.
The direct payment was made independently of what his medical insurance covered, giving him flexibility in how to spend it. So he could get back to enjoying time outside with his family sooner.
Meet Krissy
Krissy was in a skiing accident and needed support with treatment and recovery.
Watch the video to see how her accident insurance helped.
Still wondering if accident insurance is worth it? See FAQs, reasons to consider, and more important information.
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.
Quick and easy claims experience
We know you count on your benefits to be there when you need them. With Guardian accident insurance, you get quick, accurate payments. Plus, we'll cross reference any other supplemental health coverage you may have to ensure you receive payments for all eligible policies.
Need to submit an accident insurance claim? Find forms and more helpful information here.
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.
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.