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What Does Accident Insurance Cover?

Every accident insurance company is different, but many could cover dislocations, lacerations, concussions, fractures, eye injuries, burns, dental crowns or extractions and accidental death and dismemberment. The cash benefit you receive will depend on the type of the injury, the severity of the injury and the prescribed treatments. For example, if you fracture a bone, the greater the severity of the fracture, the higher the benefit will be. Accident insurance may also cover treatments, including medical devices, prosthetic limbs or crutches.

Can Accident Insurance Cover My Whole Family?

Accident insurance can cover you, your spouse and your family. 

Does Accident Insurance Cover Rehab?

Accident insurance can cover a portion of physical therapy sessions and rehabilitation center stays.

Does Accident Insurance Cover Ambulance Rides?

Accident insurance can cover a portion of ambulance rides.

Does Accident Insurance Cover Urgent Care?

Accident insurance can cover a portion of urgent care doctor visits.

Does Guardian Accident Insurance Cover Emergency Room Visits?

Accident insurance can cover a portion of urgent care doctor visits, emergency room visits and follow-up doctor visits.

Does Guardian Accident Insurance Cover Sports Injuries?

If your child (18 and younger on the date the incident occurred) was participating in an organized sport when the accident occurred, the cash benefit paid can increase.

What Does Guardian Accident Insurance Cover?

Accident insurance can cover more than 25 injury and treatment types. Injuries covered include accident-related concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death*, including:

  • Injuries: Accident-related concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death
  • Ambulance services: Ambulance rides and air ambulances
  • Emergency care: Urgent care doctor visits, emergency room visits, and follow-up doctor visits
  • Diagnostic tests: Diagnostic X-rays, CT or CAT scans, MRIs (magnetic resonance imaging), or EEGs (measures electrical activity of the brain)
  • Hospital treatment: Hospital, rehabilitation and intensive care unit admission and stays
  • Restorative treatment: Prescribed appliances, prosthetics, injury-related dental crowns or extractions, and injury-related eye surgery or object removal
  • Rehabilitation treatment: Physical therapy sessions and rehabilitation center stays
  • Children's organized sports benefit: If your child (18 and younger) was participating in an organized sport when the accident occurred, the cash benefit paid may increase by 20%

*Accident insurance may also cover accidental dismemberment or death for members, spouses and children.

2019-87906 (11/21) 

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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