Accident Insurance
Life is full of surprises—and not all of them are pleasant. When an unexpected injury happens, medical bills can pile up fast, even if you already have health insurance. That’s where Accident Insurance from CoverCare comes in.
Designed as supplemental insurance, this coverage helps fill the gaps in your health insurance by offering lump-sum benefits you can use however you need—whether it’s to pay out-of-pocket medical costs, cover an emergency room visit, or simply help with lost income while you recover.
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This type of emergency coverage is especially valuable if you have a high-deductible health plan, are mindful of your savings, or just want the peace of mind that comes with being protected from life’s curveballs.
At CoverCare Insurance, our licensed agents will help you find the right plan from top-rated carriers—one that fits your lifestyle, health needs, and financial goals. Let us help you protect yourself from the unexpected with flexible, affordable accident coverage.
Accidents are unpredictable. Your protection shouldn’t be.
Accident Insurance
You can talk about Accident Insurance with the following specialists in any of our offices:
Related FAQs
What is accident insurance?
Accident insurance is a supplemental policy that pays you a lump-sum or cash benefit when you suffer a covered injury or require specified medical services due to an accident
What does accident insurance typically cover?
Common coverages include medical expenses, emergency room visits, ambulance rides, fractures, dislocations, burns, accidental death, and dismemberment (AD&D)
Why is accident insurance worth it?
It helps pay out-of-pocket costs—such as copays, deductibles, and lost income—that can add up quickly after an accident.
How are accident insurance benefits paid?
Benefits are paid directly to you and can be used however you choose—medical bills, rent, everyday expenses—without any restrictions .
Are pre-existing conditions or illnesses covered by Accident Insurance?
No. Accident insurance covers only unforeseen injuries — not illnesses, chronic conditions, or pre-existing health issues
Is accident insurance the same as health or disability insurance?
No. Unlike health insurance, accident insurance is a limited benefit product meant only for accidents. It differs from disability insurance, which requires you to be unable to work .
How quickly does coverage begin and claims get paid?
Coverage often starts within days of enrollment. For example, some carriers state claims are processed within 10 business days after submitting required documents
Are there any exclusions or limitations in Accident Insurance?
Yes—accident policies often exclude injuries from illegal acts, intoxication, or self-inflicted harm. Always review your policy’s exclusions, covered events, and payout limits.
How much does accident insurance cost?
Premiums are generally affordable—often just a few dollars per week—and are priced based on coverage levels and the insurer.
Who should consider accident insurance?
Ideal candidates include individuals and families who:
- Lead an active lifestyle with increased injury risk,
- Have high-deductible health plans,
- Don’t receive paid sick leave or disability coverage