Skip to main content

How Much Accident Insurance Do I Need?

Finding the accident insurance plan for you depends on how much you will need to cover deductibles, co-pays, and other unexpected expenses if you or a family member has an accident. Many major medical insurance programs have deductibles that you would be responsible to pay should an accident occur. A comprehensive accident insurance plan can help you avoid draining your savings if an accidental injury occurs.

You will also want to consider a variety of factors, including how much you want to pay or can afford to pay each month. This will largely depend on whether you want to pay more up front through a premium or more if and when you or a family member is injured. The larger the premium you pay up front, the less you will pay if you or a family member suffers an accident. 

Accident insurance plans may cover a variety of injury and treatment types but you’ll want to check with your insurance provider that your plan covers the most common injuries and treatments. You’ll also want to ensure you don’t have a deductible and there is no annual maximum.

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.

If your children participate in organized youth sports, Guardian Accident Protection Plus offers an organized sports benefit where if your child was participating in an organized sport when the accident occurred, the cash benefit paid may increase by 20%.*


*Please note the children's organized sports additional benefit is not available in the state of New York. The child must be insured by the plan on date the accident occurred. 

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.


Dental Insurance

Good Health Starts With Your Smile

You're busy and sometimes it’s a challenge to get it all done. Our plans are designed to help make it easier for you to put your health first - starting with your smile. Find a plan that’s right for you.

Accident Insurance

Be Prepared for Life's Surprises

You never expect an accident to happen to you or anyone in your family. Our plans help you deal with surprise costs that go along with them.  Find a plan that’s right for you. 

Pet Insurance

A Smart Choice for Pet Insurance

Now you can get simple, easy, affordable pet insurance and join millions of other happy customers.

Critical Illness Insurance

A Safety Net When You Need It Most

Dealing with a serious illness is tough. Having a financial safety net helps you focus on the fight - not how you'll pay the bills.  Find a plan that’s right for you.