Some things in life are unexpected. If you or a covered family member experience an unexpected accident resulting in a broken bone or severe burn, individual accident insurance can help provide financial support for the expenses that come next.
Starting at $12/month*
Starting at $20/month*
With the Child Organized Sports Benefit, if a covered dependent is participating in an organized sport when an accident occurs, the benefit paid will increase by 20%*
Concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death
Ambulance rides, including air ambulances
Urgent care doctor visits and emergency room visits
X-rays, CT or CAT scans, MRIs, or EEGs
Hospital admission and confinement (including ICU)
Prescribed appliances, prosthetics, injury related crowns or extractions, and eye surgery or object removal
Physical therapy sessions and rehabilitation care
Self-employed: If you miss work while self-employed, you’re often missing out on potential earnings. Individual accident insurance can allow you to pay for things like child care or even groceries while you're recovering from an injury.
Occupations that most benefit from supplemental coverage: There are certain occupations that may put individuals at a higher risk of accident or injury. These include:
Electricians, plumbers, and construction workers
Auto mechanics, independent contractors, and ride share operators
Photographers, painters, and gig workers
Retired: Individual accident insurance can be a great option for retirees who are living more active lives and want to protect themselves in case of an injury or illness.
* Varies by state or plan type.
1 CDC Centers for Disease Control and Prevention, National Center for Health Statistics, https://www.cdc.gov/nchs/fastats/emergency-department.htm, 2022
DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products. Products are not available in all states.
2 Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Accident Plan are governed by the policy forms approved for use in your state. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. This policy provides limited benefits only.
This is a limited plan of supplemental health insurance that provides specified financial support, as a lump sum or indemnity benefit, for insured injury resulting from a covered accident. This is not hospital or major medical expense insurance, or minimum essential coverage defined by federal law. This coverage does not reimburse for hospital or medical expenses. Benefits are not payable for any injury caused by sickness, disease, mental infirmity, or medical or surgical treatment. Limitations and exclusions may include accidents occurring before coverage is effective, injuries related to war or acts of war, commission of a felony or participation in illegal activities, self-inflicted injuries, or injuries sustained while under the influence of drugs or alcohol. Plan documents and certificates are the final authority for coverage and benefits. For full details on the limitations and exclusions that apply to your coverage, please review your plan document.
Rates are guaranteed for one year for the plan of benefits initially selected. Policies renew annually up to age 75.
Accident Individual Policy Form IP-Accident: IP-ACC-16; IP-ACC-19; IP-ACC-21; et. al.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission. ©2026 The Guardian Life Insurance Company of America. All rights reserved.
While we hope that every accident results in a quick recovery, some injuries may have longer recovery times. That’s why we cover a variety of treatments.
It's simple. You don't need to answer any health or medical questions to enroll today.
You and your family staying healthy? We hope everyone has a healthy life! We'll pay you a benefit when you or your family remain injury-free for five consecutive years.²
