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Accident Insurance

Your world can be turned upside down in an instant.

Guardian Direct® is here to help when the unexpected happens.

What is it?

Accident Protection Plus is supplemental coverage that helps pay for injury-related out-of-pocket costs not fully covered by your existing medical insurance. The cash benefit is paid directly to you and can be used in any way you choose, including to offset deductibles or copays, ambulance charges, crutches and more, or even to cover household expenses such as your mortgage or groceries.

 

 

Find an Accident Plan in your area.

Plan options vary by location due to state requirements.
Please enter your five-digit zip code to start building the plan that’s right for you.


My zip code is

What does it cover?

Guardian Direct covers more than 25 injury and treatment types.  Click on each category to view coverage details.

How it works

Guardian Direct lends a financial hand when you or a loved one has an accident.

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Accident Verified

After you or a family member has an accident, you submit a claim including details of the injury and injury-related treatments to Guardian for verification.

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Cash Benefit Received

Guardian pays a cash benefit directly to you -- not to doctors or hospitals -- based on the type of injury, the severity of the injury, and the prescribed treatments (no waiting period, no deductible, no extra steps).

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Bills Paid

Pay any bills you choose -- from deductibles, copays or coinsurance to ambulance charges, crutches or wheel chairs to mortgage, groceries, or child care expenses -- while you are recuperating.

Case studies

While walking her dog on a rainy night, Liz tripped and fractured her ankle. Guardian Accident Protection Plus paid her a cash benefit of $1,260, covering her out-of-pocket medical expenses and protecting her savings.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs. #2018-53316 (exp. 1/20)

While playing in a high school football game, Danny took a hard hit, resulting in a neck injury. Guardian Accident Protection Plus paid a cash benefit of $2,960 plus an additional 20% because the injury was during school sports.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.  Children's Organized Sports Benefit not available in NY.This story is a fictional example based upon estimated costs. #2018-53316 (exp. 1/20)

Sophie was involved in a car accident and sustained significant injuries. Guardian Accident Protection Plus paid her a cash benefit of $1,535, covering expenses her medical insurance did not fully cover.

 

* Coverage based on Silver Plan reimbursement. Actual coverage may vary.

This story is a fictional example based upon estimated costs. #2018-53316 (exp. 1/20)

Jeff broke his femur in a skiing accident while on vacation and had to be air lifted to the emergency room in the next town.  He received a total cash benefit of $5,740 for his covered injury and treatments.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs. #2018-53316 (exp. 1/20) 

While Mark was grilling steaks at a summer BBQ, a mishap caused Mark to suffer 2nd degree burns.  Guardian Accident Protection Plus paid Mark a total cash benefit of $5,100, covering his out-of-pocket medical expenses.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs. #2018-53316 (exp. 1/20) 

Find an Accident Plan in your area.

Plan options vary by location due to state requirements.
Please enter your five-digit zip code to start building the plan that’s right for you.


My zip code is

Frequently Asked Questions

Questions about Guardian Direct Accident insurance?  We've got answers.

Guardian Accident Protection Plus helps with the unexpected expenses from an accidental injury such as a broken bone, burn, or concussion that medical insurance doesn't fully cover. More than 25 injury and treatment types are covered, including ambulance charges, emergency room visits, hospital costs, surgery, crutches, physical therapy, and more. Benefits paid are based on the type of injury, severity of the injury, and type of treatments you receive. Cash benefits are paid directly to you -- not to doctors or hospitals -- and can be used in any way you choose.
Remember to cover your kids! Where there are kids, there are accidents. And if your child is injured during an organized sport event, the cash benefit paid increases by 20%! 
No. Guardian Accident Protection Plus is a supplemental health insurance plan that is not a substitute for major medical coverage. It's designed to cover the out-of-pocket costs from an accidental injury that your major medical plan does not cover. The cash benefit can be used in any way you choose to pay for expenses such as medical deductibles and copays, or even your mortgage, household expenses, or child care.
No. Guardian Accident Protection Plus has no deductibles (amounts that you must cover before the plan pays benefits), there are no waiting periods during which no benefits are paid, and there is no yearly maximum payout amount.
Accident insurance is for those who want to avoid using savings to cover the unexpected costs of an accident. If you'd rather establish your own rainy day savings, we respect that! But if your savings would suffer a setback to pay for the costs beyond what major medical insurance will cover, then give Guardian Accident Protection Plus a look. Get the peace of mind of a cash benefit paid directly to you that can be used in any way you choose, to cover medical deductibles and copays, ambulance charges, crutches, physical therapy, or even household expenses.
Yes, with Guardian Accident Protection Plus you can see any doctor you choose. There are no restrictions on doctors, care centers, or hospitals that you can use.
See more FAQs

Resources

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The Strong Bone and Bruise-Proof Diet

Chew on these foods to say goodbye to bruises and hello to strong bones and skin.
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Why Does Football Cause So Many Concussions?

Discover why football is the riskiest sport for concussions and how you can help protect your young athlete.