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Guardian Direct® is now offering telemedicine coverage. See your doctor from the comfort of your home.

Find an Accident Plan in your area.

Plan options vary by location due to state requirements.
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What does it cover?

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

* 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.

How it works

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




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.



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).



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.

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. A cash benefit paid directly to you may help reduce financial stress. Cash benefit 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


Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. 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 policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only.

Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America New Your, N.Y. or its subsidiaries. Products are not available in all states. Policy limitations and exclusions apply. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. 

Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 90.

Accident Individual Policy Form IP- Accident: IP-ACC-16 et. al.

New Mexico Residents - Important Notice

The coverage provided under your benefits plan or policy underwritten by Guardian is limited in nature and may not provide financial protection for significant costs that you could incur for the diagnosis or treatment of COVID-19 ("Corona virus") related illness.

If you do not have comprehensive major medical coverage, in addition to the plan or policy issued by our company, you may incur significant uninsured medical expenses associated with the diagnosis and treatment of illness caused by COVID-19.

Major medical plans offer robust consumer protections, and are required to waive all deductibles, co-pays and other cost sharing expenses for the diagnosis or treatment of COVID-19 related illness. Your policy or plan with us is not a major medical plan and does not provide such protections.

If you do not have major medical coverage, you may:

1. Contact a licensed insurance broker or agent to see about major medical coverage availability.

2. To see if you are eligible for a special enrollment period for major medical coverage through the New Mexico Health Insurance Exchange, contact beWellnm toll-free at 1-833-862-3935.

3. To see if you are eligible for Medicaid coverage and to complete an application, please call the Human Services Department's Medicaid Expansion Hotline toll-free at l-855-637-6574 or visit

4. To see if you are eligible for high risk pool coverage, please contact the New Mexico Medical Insurance Pool (the "High Risk Pool") at 1-844-728-7896 or If you are uninsured and have a COVID-19 diagnosis, your condition qualifies you for Pool coverage.

The Centers for Disease Control and the New Mexico Department of Health each have websites with considerable information on COVID-19. Visit each website at or Individuals who have symptoms consistent with COVID-19 should immediately call the NM Department of Health at 1-855-600-3453.


Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers



3 in 5 people don't have the funds to cover a $3,000 medical bill.

†The Guardian Workplace Benefits Study℠, Fourth Annual, 2016

2020-99694 (4/22)