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How Do I Pay My Hospital Bills If I Suffer an Accidental Injury?

Accident insurance can cover a portion of hospital and intensive care unit admission and stays related to covered accidental injuries. Accident insurance can also cover ambulance rides or even the rent you may be unable to pay due to the missed work days.

How Can I Get Insurance To Pay for Rehab?

Accident insurance can cover a portion of physical therapy sessions and rehabilitation center stays related to covered accidental injuries.

How Much Does Accident Insurance Cost?

Guardian Direct accident insurance plans start at $14.95 per month in most states. Costs will vary by state.

Can I Buy Personal Accident Insurance Online?

You can buy accident insurance online through Guardian Direct. To purchase accident insurance, visit You will first need to know the zip code of your primary residence, how much coverage you need and how much you are willing to pay each month. Once you have that information, you should consider if you need to cover just yourself or if your spouse or partner or your children also need coverage. You will need to know the ages of each party who needs to be insured before you can complete your quote. Once you have information from the insured parties, it’s a fast, easy and secure process to purchase accident insurance online from Guardian Direct. 



2019-87906 (10/21)

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. 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. Guardian Direct plans are underwritten and issued by The Guardian Life Insurance Company of America New Your, N.Y. or its subsidiaries. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® ©Copyright 2019 The Guardian Life Insurance Company of America.

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