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Accident insurance
Guardian Direct accident insurance pays cash benefits to you if you have a covered accidental injury.
What is accident insurance?
Guardian Direct accident insurance pays a cash benefit to you if you have a covered accidental injury. When someone in your family is injured there are often costs that your health insurance doesn’t cover, especially if you are unable to work.
Why accident insurance?
Cash benefits paid directly to you
You pay $0 before your plan pays benefits
Pay any bills you choose
Find a plan
Protect yourself and your family from an accidental injury.
Coverage for 25 types of injuries and treatments
What we offer
Kid’s sports
With the Children’s Organized Sports Benefit, if a dependent child is participating in an organized sport when an accident occurs, the benefit paid will increase by 20%**
Injuries
Concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death
Ambulance services
Ambulance rides, including air ambulances
Emergency care
Urgent care doctor visits and emergency room visits
Diagnostic tests
X-rays, CT or CAT scans, MRIs, or EEGs
Hospital treatment
Intensive care unit admissions and stays
Restorative treatment
Prescribed appliances, prosthetics, injury related crowns or extractions, and eye-surgery or object removal
Rehabilitation
Physical therapy sessions and rehabilitation care
Is accident insurance worth it
Your health insurance may cover some of the costs of an accident but it may come with a high deductible. The out-of-pocket costs of your health insurance alone can deal your finances a devastating blow. Supplemental accident insurance can help you pay these bills so you can focus on your recovery.
DID YOU KNOW
Over 40 million people each year are treated in an emergency room for an accidental injury¹.
Accident insurance coverage
Many car and life insurance plans include some level of coverage for accidents. But many of these plans may not cover additional expenses such as childcare, pay for missed work, your mortgage, or car payments.
With supplemental accident insurance, your premiums do not change when you use them or if your health changes.
Self-employed insurance
When you are self-employed, if you miss work you often are missing out on potential earnings. Personal accident insurance can allow you to pay for things like childcare or even groceries while you or your loved one is recovering from an injury.
Some of the occupations that can benefit the most from supplemental accident coverage include:
Electricians
Plumbers
Construction workers
Auto mechanics
Independent contractors
Ride share operators
Photographers
Painters
Gig workers
Accident insurance advice & insights
If you are looking for more information on Accident Insurance, Guardian Direct has many resources that you can use to help make an informed decision.
What is accident insurance and what does it cover?
How much does an MRI cost and how to pay for it with accident insurance
How much does insurance go up after an accident?
Accident insurance claim
Accident insurance plan
Hospital indemnity vs. accident insurance
Sports insurance
See all advice & insights
1 According to a 2019 CDC (Center for Disease Control) study: link
* Benefit amounts will vary based on the type of injury sustained due to a covered accident. Payment of actual benefits is subject to the terms, conditions, limitations and exclusions described in the Plan.
** Benefit not available in New York. The child must be insured by the plan on date the accident occurred. The child must be 18 years of age or younger.
GUARDIAN DIRECT ACCIDENT INSURANCE IS NOT CURRENTLY SOLD OR OFFERED IN THE STATE OF COLORADO.
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2021-114328