Accident Insurance

Guardian Accident Insurance

Despite having medical and disability insurance, many people are simply not prepared to pay all of the expenses that come with their injuries. Supplemental accident insurance is an affordable way for you to protect yourself from costs that aren’t covered by these more traditional plans.

How does accident insurance work and what does it cover?

Accident insurance pays a benefit, which can be used for any purpose, to an insured employee. Guardian’s Accident Insurance can provide you with benefits for over 40 different circumstances. Payments a person receives depend on:

  • Type of injury, such as burns, dislocations, fractures, concussions, eye injuries, and lacerations.
  • Specific events during treatment and recovery, such as a person’s need for an ambulance, X-rays, hospitalization, surgery, and follow-up care.

Guardian’s plan also features an organized-sport benefit for children; this benefit pays an additional 20% for injuries that happen while taking your covered child is taking part in organized-sport activities.

With Guardian’s supplemental accident insurance, benefits are paid regardless of what is covered by medical insurance or any other plan.

Without accident insurance to help fill the gap between medical and nonmedical expenses, you could be faced with many expenses you may not be able to pay. Here are just a few of the unexpected costs that you may be faced with:

Medical expenses:

  • Copayments
  • Deductibles
  • Other care that employees are financially responsible for under your medical plan

Nonmedical expenses while recovering:

  • Groceries
  • Rent or mortgage
  • Car payments
  • Child care

How Accident Insurance Works