3 reasons to get Accident Insurance

Everyday life can result in an accident or injury at any moment.

You can't always prevent this, but you can be prepared with an Accident Insurance plan.

There for you when it matters most.

Accident Insurance pays cash benefits for covered losses when an unexpected accident occurs. It's your money to spend on medical expenses your health insurance may not cover or any non-medical expenses you may have.

Accident Insurance is worth it.

For an affordable price starting at $5 a month, Accident Insurance can help pay out-of-pocket expenses due to a covered injury so you can focus on your recovery.

What can our Accident Insurance Plans cover?

Our Accident Insurance covers a range of accidental injuries from breaking an arm to needing stitches from a bike accident. Our Accident Insurance Plans include the following benefits depending on your coverage level selection, because everyone’s needs, and budget, are different. We pay cash benefits directly to you or whomever you choose for any covered injury.

Injury Treatment

Up to $600-$4,800 for treatment of a qualifying dislocation and/or fracture

Intensive Care Treatment

Up to $1,000 per day for ICU stays

Hospital Confinement

Up to $500 per day for hospitalization

Emergency Room Treatment

Up to $500 per visit

Ambulance Services

Up to $500 if an ambulance is needed to transport you to the hospital

Follow-up Care

$50 for each follow-up visit with your primary care doctor

Recuperation Care

Up to $100 that can be used towards physical therapy sessions after a hospitalization

How important is Accident Insurance?

Watch our video on how Accident Insurance helped Mike alleviate some of the stress of an unexpected financial burden.

How does Accident Insurance work in real-life?

Accident Insurance can cover a range of injuries and you’re covered 24/7 whether you are at work, home or play. Coverage amounts will depend on the type of coverage you have and the injury you sustain. Remember, the most important thing if you get in accident is to focus on getting treatment immediately.

Read below to learn more about our plan in action - see how it helped Melissa.

Melissa swerved to avoid a car while cycling, and falls hard from her bike, injuring her hip.

Melissa is rushed to the hospital via ambulance for emergency treatment and undergoes hip surgery.

Once home, Melissa needs a visiting nurse and a few sessions of physical therapy; each only partially covered by her health insurance plan.

Thankfully, Melissa has Accident Insurance Enhanced Individual Plan, and her accident was covered, and she received benefits she can use to help cover rehabilitation treatment costs.

What coverage looks like

Let's take Melissa's scenario of hip surgery and hospital treatment. The Accident Insurance Enhanced Individual Plan can pay Melissa up to $6,150 that can help cover her out-of-pocket medical expenses or can be used toward other household bills so she can focus on her recovery.

The Accident Insurance Enhanced Individual Plan, not only includes insurance benefits, but also includes Expert Medical Opinion services which connects her with a personal advisor who can assist her in confirming her diagnosis and can help her secure appointments with a top specialist for her physical therapy.

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Up to $500

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Emergency Room Treatment

Up to $500

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Surgery Treatment for her hip

Up to $1,500

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Hospital Stay for 6 days

Up to $500/day

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Follow-up visit with a primary care doctor

Up to $50/visit

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Expert Medical Opinion


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Recuperation Care for 6 days

Up to $100/day.

What can be paid to Melissa+


The scenarios summarized above are offered only as examples. These stories are fictional and should not be used as basis for any specific decision making. Coverage will depend on the actual facts of each case and the terms, conditions and exclusions of the policy. Benefit amounts are dependent on the plan selected and the premium will vary with the amount of the benefits selected.

Look beyond coverage and expect more support

Our Accident Insurance plans can include these services to meet your needs. +++

Provides independent opinions from respected leaders in the medical field that could help avoid unnecessary procedures and/or expenses.

Helps store and send your valuable medical information.

Online tools available for you to help you achieve your health goals.

+ Coverage based on Accident Insurance Enhanced Individual Plan terms and conditions. Actual coverage may vary by state and by plan selected. Please review the Terms and Conditions for details of coverage in your state on the next page.
+++ Not all non-insurance services are provided in all plans.

Important Notice: The Plan provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, major medical or sickness coverage.

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AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Offered by Morefar Marketing, Inc.® (Agency name is shown as Morefar Insurance Agency in CA, under license number 0C91962 together with Morefar Marketing, Inc., "Morefar") national producer number: 654243, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. This is only a brief description of the coverage(s) available under policy series A30421NUFIC in AL, AK, AR, CT, DE, HI, IL, IN, KS, KY, LA, MS, MT, NE, NH, NV, NC, ND, OK, OR, RI, SC, SD, UT, WV, WI and WY, A30421NUFIC (Rev. 07/14) in FL, A30421NUFIC (Rev. 08/14) in NM, A30421NUFIC (Rev. 10/14) in CA, A30576NUFIC, A30588NUFIC and A30595NUFIC in OH, A30550NUFIC in AZ, DC and GA, A30576NUFIC, A30588NUFIC and A30595NUFIC in MI, A30576NUFIC, A30588NUFIC and A30595NUFIC in MD, A30576NUFIC, A30588NUFIC and A30595NUFIC in TN, A30588NUFIC and A30595NUFIC in NJ, A30588NUFIC and A30595NUFIC in VA, and A30630NUFIC in TX. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. National Union and Morefar are AIG companies. The non-insurance services are provided through Careington International Corporation. Insurance coverage and non-insurance services may not be available in all states. Non-insurance services may be subject to sales and use tax.