Skip to main content

Guardian Accident Protection Plus Gold

Coverage Summary
(see your policy for further details)
How it Works

Accident Protection Plus Insurance is a benefit that supplements your existing medical coverage. It can help with expenses related to an accidental injury, such as a broken bone or a concussion, that medical insurance may not fully cover. The benefit is paid directly to you and can be used to offset your out-of-pocket costs related to the accidental injury in any way you choose, including to offset medical insurance deductibles, ambulance charges, crutches or braces, or other related costs. Upon verification of a covered accident type, you will be eligible to receive a payout according to the schedule below, by treatment and/or injury type.

Your Plan Benefits
Guardian Pays
(see policy for full list of coverage)
Injury Outpatient Treatment
Injury Ambulance Services
Injury Hospital Treatment
Injury Restorative Treatment
Lump Sum Injury Benefits
Lump Sum Accidental Dismemberment or Death Benefits
Accidental Dismemberment or Death:  
   *Member from $12,500 to $50,000
   *Spouse from $6,250 to $25,000
   *Child from $2,500 to $10,000

(If an Accidental Death and Accidental Dismemberment result from the same accident, the plan benefit will only pay the Accidental Death Benefit.)

What you pay out-of-pocket before your plan pays benefits
You Pay
There is no deductible
Maximum Payouts
The maximum amount Guardian will pay for accident occurrences
Maximum Guardian Pays
Annual Benefit Maximum

Guardian pays according to the treatment or injury schedule.  There is no annual maximum

Ongoing Eligibility Requirements

Coverage is renewable annually.

Premiums may occasionally change for all members of a class.  If premiums change, you will receive at least 60 days advance notice

Age-Related Termination

Coverage will be terminated at age 90

(see your policy for further details)

This Policy will not pay benefits for any Injury caused by, or related to, directly or indirectly, any of the following: 

  • The covered person being intoxicated or under the influence of any narcotic unless administered under the advice of a Doctor.  
  • Declared or undeclared war, or act of war. 
  • Service in the armed forces or auxiliary units, National Guard, or military reserves. 
  • Participation in a riot or insurrection. 
  • Participation in the commission of, a felony.  
  • Treatment rendered outside the United States, except for its possessions or the countries of Canada and Mexico. 
  • Suicide or attempted suicide or intentional self-inflicted injury. 
  • Aviation, other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline. 
  • Extra hazardous activities such as aviation and related activities, such as skydiving and parachuting and participation as a professional in athletics or sports. 
  • Benefits provided by any state or federal workers' compensation, employers' liability or occupational disease law. 
  • An Accident that occurred before You are covered by this Policy. 


* 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.

Accident Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage.

Policy Form # IP-ACC-16