Accident Insurance
Protect Your Finances from the Unexpected
About 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 Insurance Inc. 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.
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 Inc., 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.
Accident Insurance FAQs
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
Common coverages include medical expenses, emergency room visits, ambulance rides, fractures, dislocations, burns, accidental death, and dismemberment (AD&D)
It helps pay out-of-pocket costs —such as copays, deductibles, and lost income—that can add up quickly after an accident.
Benefits are paid directly to you and can be used however you choose—medical bills, rent, everyday expenses—without any restrictions .
No. Accident insurance covers only unforeseen injuries — not illnesses, chronic conditions, or pre-existing health issues
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 .
Coverage often starts within days of enrollment. For example, some carriers state claims are processed within 10 business days after submitting required documents
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 .
Premiums are generally affordable—often just a few dollars per week —and are priced based on coverage levels and the insurer.
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
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Learn more →What a CoverCare client said
I recently had the pleasure of working with CoverCare Insurance Agency, and I must say, the experience was nothing short of exceptional. Jonathan and his wife are incredibly kind and truly go above and beyond to ensure their clients receive the best health coverage at the strongest prices. Their dedication and personalized approach made the entire process smooth and stress-free.BrianVerified Google Review
All testimonials and Reviews in this website correspond to verified clients enrolled in a plan with CoverCare Insurance Inc.